Playground Games built Forza Horizon 5 to be a living, breathing online festival. Even if you got a cracked version to run, you would miss the evolving seasons, the competitive leaderboards, and the joy of sharing a livery with a stranger. That is the real value you are paying for.
The legitimate game receives monthly updates with new cars (often 4-8 new vehicles per month). The Empress build is locked to early 2023. That means:
Forza Horizon 5 is an "evergreen" game, meaning it receives official monthly updates called (e.g., Series 32, Series 33).
You cannot play on official Microsoft/Turn 10 servers (Horizon Life, The Trial, Eliminator) with a cracked version.