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I experienced this a few times as well and the 'sponsors cash' skill seems to be involved. I cannot reproduce even though it is very convenient when it happens of course, it does not make me a hacker.
It is a bug...
Maybe the game is so dead we are only a handful of players left.
It's legit. They might have started the tournament hours before you did, they might have gotten a lucky race reset and simply started with a lot of cash to begin with due to a known game bug that happens from time to time. Or they simply have a higher level mechanics / support characters that net them more money than you have.
It is unlikely that is not a legit run for that player.
I want to put that in perspective for you. I started the tournament really late, with a few hours left to start. The person in first has 5.24e+177 cash spent. They didn't start with that much, they were already deep into their run by the time I started. It is entirely possible the person in first place in your tournament didn't just start the tournament.
I want to point out there is 40m left in the tournament which means the tournament is well removed from the starting point and there are many factors coming into play that put you so far behind.
it is unlikely that someone who just started the race an hour before the end is going to be in your race. It is more likely they started the race when you did and didn't show up until they restarted the game near the end and were put there by the game. I've restarted the game mid-run with nobody else on my leaderboard only to have other people show up on the leader board. They might not have been showing anyone on their leader board and now they have 4 other people. That is not proof of them cheating.
I'm going to point out that I have 11.7k hours of actual in-game playtime and hit Diamond 3, Race 6 in game. I know that legitimately happens all the time and that player is literally not cheating.