In the case of World PL server, a friend can send money from his account. With the World PL server, there's a bit of grinding to get a class S car, but by that time, you get over $500,000 in game cash for every TE, such as Most Wanted.
In my case, I did single player pursuits. The heat level is limited on the first few, but with the World PL server, you get enough rep to level up to unlock heat level 5. I do pursuits where I end up at Hickley field just as I reach heat level 5, dropping the east sign to evade. The small circle south east of Hickley field is a good place to just circle around waiting for the heat level to increase, as the cops are limited by the small circle (no spike strips, they have to enter from side roads, and usually get stuck in the middle). With World PL server, you get $100,000 + in game cash for each pursuit fairly early on, and this increases to nearly $300,000 at higher player level.
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