My secondary Xbox account has no GamePass or Xbox Live subscription.
But since my main Xbox account has GamePass Ultimate, the secondary account can use it, too.
After starting the game with the secondary account I was surprised that I got all the loyalty cars from my primary account... again.
And a lot of wheelspins... again.
Then I looked up the (AutoPass) free cars in the Auto Show. I was offered ~30 cars for free... again.
I even could buy the 30 million credits Shelby with a voucher... again.
Now I have a garage value of 75 million credits right at the start of the game.
And I could probably gift some of these expensive cars to my main account after I unlock the first barn.
With a third Xbox account on the same console this would probably happen all over again.
Not complaining, but I ain't sure that this was intended by Microsoft.