This has made me happy and I'll actually play more online as I want to buy things, more things.
I believe the fun of GTA is causing mayhem and this is helped by having lots of cash. Because the races and missions don't reward you with much money currently, so when free roaming, you can feel quite restricted if you are watching your wallet all the time. That isn't fun IMO, the game should encourage you to cause mayhem, because that is what GTA is about. For the first time in multiplayer last night I went for the police on purpose and want to see how long I can survive because I can afford all the ammo. I picked my favourite spot in a car park (so to avoid helicopters), with walls on 2 sides and a pillar for cover, perfect defensive position. In single player I would be dead eventually because the cops would keep on coming as I would eventually run out of ammo. In multiplayer however, other players seems to get excited about the abundance of cops in my area and they also engage them, which took some of the heat off of me, even though I am sure that was not their intention in the first place. So much so, to the point I lost the 4 star wanted rating. Which in single player would be impossible, there were so many blue/red dots on the map at the time, more than I had ever seen in single player.
Which brings me to the next point, they should add that into a kind of mission, it shows some cooperation between friends against the police can work and it Is quite rewarding and fun, something along the lines of a getaway mission, with a single person evading the police whilst friends helping him escape/slip away. With the ever so hyped up promised heists potentially rewarding in the millions splitting between friends, then it would be great. No more glitching, even one heist a day is enough money to play around with in game.
Also, having lots of money allow you to spend it on pointless things (much like real life, retail therapy is retail therapy), from having more cars than one need, I mean who needs 10 cars anyway, or like stupid pink paint jobs on all the cars so they match…even metallic paint which costs 10x over normal paint just because. Or on $400,000 apartment just for the view, when a $200k apartment offers the same interior and garage space. I can also buy up the entire wardrobe for the character so when I walk into the changing room there are more options for outfits, yes I went there
It is the whole collecting mentality that comes with having lots of money, a bit like being Jay Leno of GTA with cars/Paris Hilton with outfits.
If however money is lacking, there are less fun to be hard, especially you don't have the luxary of the sanctury of your own apartment to escape should you choose.