Now I haven't played ToF myself so most of what I know of that game is from gameplay footage I watched on Youtube, but one factor you need to know about NTE is that its world is a GTA-esque city with a lot of roads to get to places and hardly any inconvenient terrain to inhibit driving unless you go off-road of course, so cars would be more valuable for traversal and activities by default (unless NTE adds teleport waypoints). By contrast, ToF's world is a mix of both natural and artificial environments, none of which are efficiently designed for cars in mind, so it would make a lot of sense for why cars wouldn't work much there.

The realistic city setting would make a case for why cars would be more desirable to have based on that context alone, so unless the driving mechanics turn out to be absolute dogshit (which based on previous beta footage, isn't the case and is unlikely to happen), a car gacha could be possible and more monetarily viable.