I don't really understand what the fuss of the lack of money is all about. You're just playing a game which actually punishes you for bad decisions and requires you to manage your money. Indeed, pouring your gold on your friends so they can hang around the pub all night long getting themselves drunk while only giving a minor boost to your performance is a bad decision. Since your mission is to save the princess, only leftover gold should go to your friends and everything else on the ship.
Just finished the game without ANY grinding, it's just all about managing your money and realizing that the game doesn't really reward you for huge combos so you should just focus on matching 3 of the same as fast as possible to generate tokens you currently require.
You managed to create a somewhat decent racing game, though the AI acts often like a total idiot and I would've preferred more customizability on the upgrades. Also it doesn't count track wins sometimes (I had to win track 3 twice.)
There should be an xp bonus for finishing a level quickly. Now you get xp for keeping the battle going and going which is just silly and makes the game boring. 2/5.