If you're going to complan about something "ripping" off another thing, you might as well quit life. Almost everything you see is an imitator of sorts. The good thing about Saints Row is that it improves upon GTA's formula. It does a lot right. You have to be a child to keep holding this pointless vendetta against Saint's Row.
I like how you bring up how it's not original at all by bringing up features GTA has since entirely ABANDONED while ignoring things like Insurance Fraud, or the fact that when you steal a car that has a passenger in the car you can hold them hostage for big bucks.
Oh wait, you HAVEN'T played Saints Row.
There's enough for room for BOTH Saints Row and GTA, you know. Since GTAIV entirely ignores the fan base that likes to fuck around and do fun stuff, Saints Row is there to fill that niche. GTAIV basically gave Saints Row a reason for existing.
Wiseman say, forgiveness is divine, but never pay full price for late pizza.