This isn't really that bad if you think about it, you end up paying it off by withdrawing that money back and it goes back to what it was, if it is a new player he wouldn't be able to put his car into the garage at all as he may not be able to afford the repair cost at the time, imo it is more...
It seems that it cuts off at a certain distance and i have noticed that i can hear someone and then I can't when they walk like a few metres further than they were