Pay full amount for destroying someone's car has to stay. Serves you right for damaging my hard earned beautiful whip!
What I hate is auto-aim, I think they removed the no auto-aim option in GTA IV as well. Makes it too easy, especially when people are in cars!
There has to be some feature to lure in those who are bad at games that are actually competitive.
How much fun would it be for the griefing kids if they always lost in this game too?
Besides, I wouldn't trust that a guy unable to walk down a hill to be coordinated enough to aim a gun on his own.