I really don't think there will be an add credits option as turn 10 are monitoring credit glitching and unusual behaviour on their servers as it effects the in game economy and the online auction house. They have already nerfed a glitch giving players 999,999,999 credits and not allowing the people who exploited it to re sell the cars they bought in the store or auction. And will probably flat out ban people from anything online if they're caught credit hacking. As for skill points that would be a good one this game does have rpg elements and a lot to unlock, but that too could be monitored by the servers.
As I said before, the options that are in Need For Speed(2016) would be perfect for this game, the teleport to way point option would be great because you have to pay to fast travel in this game. There are fast travel discount boards scattered around the map but driving around to find them all is very time consuming and quite frankly a pain in the ass.
It's a completely different game code to Need For Speed but I have faith in the best in the business, Cheat Happens.