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However, never download a "modded" or "unlimited coins" version of 1.37.0.0. That violates the game’s terms and often contains spyware.

This is the most critical question. The answer is nuanced but leans toward "caution." An analysis of user reports and security scores reveals the following:

The emulator’s storage permission is off. Fix: Go to Windows Settings > Apps > BlueStacks > Advanced Options > Repair. Then reinstall the APK.

: Use the Moon stage early on. The low gravity allows you to get massive airtime, which rewards you with thousands of bonus coins to fund your vehicle upgrades.