I couldn’t agree more with both points. This “feature” is pointless and therefore annoying to me, and your effort would be much better served fixing bugs than gamification crqp.
I think coins are supposed to be one more way to motivate people, a measure of progress, and if you lose your streak, you can use coins to repair it. It’s gamification, which personally I hate, but many people do like it. As long as it does not get in the way of studying, and can be disabled when it does, I don’t complain.