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A pile of coins is entirely fine in my view, provided they are one pile. Coins scattered about, less so.

You didn't say which edition (Pathfinder/5E). PF: Consolidated Wealth School transmutation (metal); Level bard 1, cleric 1, magus 1, shaman 1, sorcerer/wizard 1, summoner 1 Casting Time 1 standard action Components V, S Range touch Target up to 100 gold/level in gems or coins Duration instantaneous ...

Remind a frazzled pony, which book was this in again?

What -1? What equipment has what modifier?

1. If you cross a pony with a human, you get a satyr. Go ahead and cross them with other things if you like! 2. 'Main Tribes' has no mechanical meaning. Earth-Bound, Unicorn, and pegasus are all physical tribes, just like the others your listed. 2a. Be an earth-bound, that's a valid choice. See abov...

Some races even only have one pick. You pick any two physical qualities and one upbringing, mix gently, cook at 350 degrees for 45 minutes, and your new abomination is ready!

Any two. They could be two blooded, for instance, and that's fine. Any two.

Neither works the way you think it does. They're just two halves of what makes a thing, a thing. I tried to err towards physical outward things being 'bodied' and more subtle magicy things being 'blooded', but it has no mechanical meaning at all. It could be 'Aboleth's Cookie' and mean the same thing.

Luminace.

Page 7, Ponykind attributes, Pathfinder. Those are the stats.

From there, you are append a physical tribe and, optionally, a spiritual tribe (but lose the bonus feat doing so).

Start with pony, then add pegasus. Pegasi are ponies, after all.

Sorcerer is the easiest way, since it is a bloodline.
Barring that, eldritch heritage feat.
Barring that! Check out Unchained and the variant multiclassing. Use that to multiclass sorcerer.