Was so much more than that. And a lot of crews knew the "rules" to avoid them altogether. Wasn't that hard. But the 2K servers were as bad as they were now so sometimes you said "f it" and just played.
I wish the servers were up. I would invite you to 2 games with my crew and I am pretty sure you'd change your mind on it. Hope it comes back, but it seems like 2K always does something w/ it to disappoint. It has too much potential.