I picked it up on Tuesday night, so far, I like it...alot. The bikes are realistic in regards to braking, handling, etc. Tracks are great. I find the licenses to be easy to obtain - I've received all 4 licenses with 40 minutes of play time.
Graphics are good (same engine as GT4).
There is no money exchange that I can think of, rather you race another bike with the bike of your choice (assuming you have the valid license requirements) and if you beat the person (lead for 10 seconds or cross the finish line first) then get to keep the bike that you chose to race with.
7 out of 10 for me and thats for playing for about 2.5 hours since owning.