You may not like it but you are obviously doing it so why should others get a 'free pass'. I played the same way as you and had a decent set of cars, weapons and ammo...and had fun. Why the need to have everything now? I have read a lot of comments comparing this game to to GTA4's openness of the online multiplayer and it annoys me. This is not GTA4, if that's what they want then go back to playing it.
That is their choice to make .
As I said previously, some like the progression, or grind, some don`t. We each play our game how we see fit. You might be a guy that wants to work for his stuff, another just wants to buy that Adder and race and shoot stuff. You both have the same right to enjoy your game.
It is not like you cannot get large amounts of money if you need/want to, just by parking in some public lobbies, so this is not a problem of "Yeah, but he has access to something I don`t". At the end of the day, you both have your fun - yours for a job well done and his for the hour he played casually, without having to question how much money he is spending.