I had this same problem. My factory was setup as a sort of Universal Producer (v1.16) so that every option was available and being produced in at least one part of the factory, and as the cars would flow they may or may not get each option depending on how they got sorted. So every car produced had at least some of the options, but not all.
Soon the competition basically had ALL of the options except the reversing camera for some reason as a standard item, and I went from $16m in operating cash to 0 in the span of about 18 hours of game time. Even with cars set to 0% profit I hit about 1,300 cars (btw, the “cars on the lot” ticker still overflows if you exceed 1k) before running out of money.
I just think there should be some amount of balancing here.