I agree to some extent. I would say money is exchanged time, you earn it by using your time and use it to have more time. You can trade your time (money) for things you dislike to do or will help you to faster achieve what you actually want to do so you can use your time on things you like which makes you happy. But there are things you can’t trade with money and you have to actually use your own time instead of your earned time.
How is it with silver and grey? Do you get a heavy penalty for them too? If it rains, snow and/or are foggy can it be very tricky to see silver and grey cars.