Racing is hard because you need to be physically and mentally fit before you can race. Let's not talk about the money as most of the racers don't have much money when they are just starting. Being fit ensures the racer that he could last for a longer time in the race. The mental fitness ensures his sanity as all those bumps on the road could really took a toll on your head.
The idea of the game is to finish the game as fast as you can. You need to cross the starting line three times to finish the game. If you fall on the river then that is it for you since a car don't work under water.