I personally like hammer ideia. I think that, this way it will please more people, those who a deadly serious about racing, where to have access you have to have credits, and to rapair would cost points, with or w/o resets(warping to pits). And another area where you can do the things you can now in lfs, such as reseting your car, free damage, and no restrictions to get in.
The down side about this is that will split the comunity ingame, so meaning that will have even more empty servers on the free side (wich we already have today)
PS: If that didnt make any sence, dont worry its not you, its me. If doesnt make sence i´ll edit it tomorow.