1) I think I read that the yearly sub is for the MM service, which will no doubt get upgrades/improvements so worthy of a Sub IMO. Also that the Sub helps fund the servers its running on to keep the Mods Checked so auto-downloading and "keeping mods upto date" works properly, again worth a sub IMO.
2) its just $13 a YEAR....what is so wrong with you people?! As I've said before I know kids on Paper Rounds (Routes) who earn double that everyweek so if they can easily afford to save up for $13 a YEAR then I'm sure most of you lot in the real working world can too!
Again divide $13 by 12months and see how much you have to save every 4 weeks, its not hard, its not difficult. If you're out of a job then the biggest priority is getting a job not funding a racing game to play!
If you're so against the "model" of paying for a Sub then I worry for you in todays age when famine, war, disease exist all over the world.....moral high ground i'm taking? so what.....blatant is'nt it!