This can be a tricky subject... I'd have a hard time being comfortable driving a car that I couldn't afford to write a check for. And with only a few exceptions, I'd have a hard time handing over the keys (or starter button) to my car to someone else...
Here's a really interesting race concept that intrigues me...:
https://www.highplainsraceway.com/pony-express-bracket-endurance-races/
You team up with a few racers and you each drive your own car in the event...