You could always remove paychecks for all sides. Make people use the money making ways provided. Increase starting money to 75K. Decrease funeral cost a bit too. Civs and cops both have MANY ways to get money.
I've been studying a bit, and I only take the actual driving test until I'm getting my license, not my permit. I have less than 90 days for my drug and alcohol course to be completed which means I have to sit at my computer waiting for it to be done.