I'm kinda a new member here, so first Hello to you all.

I'm playing RR3 since March or April of 2013 I belive. It was intense at the beginning than on and off when EA started to mess around with the game too much.

After a 400+ hours of gameplay I reached a 92% with 90 cars at my garage running the 2.6 version, with clean gameplay.
No cheats ,Glitch or farming, only doing the same races over and over again. The biggest return was when Monkeys changed that 3 GC for leveling up and made it 28 GC.[For my level]

Now I'm stuck in progress because the last cars need around 4,400 GC to get them and around 3000 GC to match the PR needed to finish series.

After reading the posts here I have seen that there is a Kotter option to farm gold. 
My questions are :
#Is it OK to do it ?

#Do you do it?

#Can i get banned for using Kotter[Welcome Back] ?

Because I see it as the only way to finish the game without selling my soul to the Devil. 
And to tell you the truth I'm tired of killing my eyes on those LeMans 10 lappers.

Thanx to all the people that will answer and help.
And I hope to fit in here with all of you veterans of the forum.