Some people tend to forget that TDU/2 is built along the whole MOOR aspect; this being Massively Open Online Racer. See the key word in their Online. Anyone who has played TDU knows that TDU comes into it's own online and when you play online you meet up and make a ton of mates within this. Is the club thing a good idea, yes and no, is it unfair that some things are only given out online no as that is what the game is all about.
TDU/2 is an MMO Racer/Driving/Social Game. It's in it's own league, nothing else comes close to what it provides as of this time. So like it or not TDU/2 is a Multiplayer game with Single Player elements rather than the typical Single Player game with the Multiplayer elements. Other titles that are like this are the Battlefield series, Single Player is crap but the online is the meat of the game experience.
[+] To add, I guess it's unfortunate you have an Xbox as getting online is via Live Gold whereas PC and PS3 is free because it's clear you have an internet connection just by being online here. :)