I really don't think the in game economy can support the amount of money you'll spend when you consider how much money you get from tasks and contracts especially early on. I think this hard mode is making it more like Dark Souls where if you make any mistake you're punished very harshly for it and with how buggy the game still is it's gonna be more tedious than difficult.
I think hard mode could be made great if Saber actually listened to the community about changes but they've only brought out 5 QoL changes since launch (being able to turn off beacons, fixing the hitbox on the Azov 7, ghosting trucks and trailers on map switch/garage exit, deleting trailers, and having the beacons off by default) which two of them are about the same thing! There are major QoL improvements they could add like making the functions menu a radial menu like in BeamNG, would make doing stuff in there much quicker, have proper hitch winch points on trucks like the center line on trucks and not have them everywhere, etc.
SIGH
I'm going off on a tangent, my point is this hard mode is ill conceived but they won't change anything even though people are bringing up good points about it because they've shown they don't listen very much, if they do change anything it won't be till a month or two later when they do a "mid-phase patch."