My point is that the Alphas are proof that you don't need a coin. I think that Alphas could turn into giant demon bears or grape apes -- just like Listens to Wind -- if they worked on it. The Alphas are working on other stuff, just not grape apes, according to them. Frankly, why would they? wolves are almost ideal predators if you have a pack. Grey proved to me that giant demon bears are not that practical.
Yes, but not everyone can become an Alpha, there is some other stuff going on as well. If you don't have that pre-existing talent, without a coin, I don't think it is going to happen. I think the bigger question is why do you think you need to turn into anything with the power and strength that comes with it? That is the temptation, Nic is very careful to match potential hosts with their coins, he had good reasons to match Lasciel with Harry.
Harry could learn to speak all sorts of languages too -- if he worked on it -- I can't be bothered to learn Spanish, not because of an lack of use for it, but because I'm too lazy. But, I'd take a Matrix download of Spanish in a heartbeat.
Yes, if he worked at it, but then again how many people teach conversational Etruscan these days? Yes, with Lasciel's help Harry could and was able to understand the Ghouls.
In short, the temptation of the Coin is NOT the skills or the power per se, it's that they get to skip the hardship of EARNING those skills. Hellfire might be the one exception. You might not be able to channel Hellfire without that demonic bargain, whether express or implicit.
No, reread the conversations between Lasciel and Harry, even after he mastered Hell Fire etc., she was tempting him with more power.. It isn't about earning those skills, Harry already had a pretty good fire spell, he had learned and earned it, Hell Fire really wasn't a short cut for him at all.
In short, Marcone could become a Senior Council level wizard -- but he doesn't have the six hundred years of life and hard work it would take. A Coin is a great short cut, so he gives into the temptation. His further temptation is that if he could do X in a decade, what could he do with infinity? I'm sure Namshiel TELLS him that if he ever gave the coin up, he couldn't do X anymore. If Marcone believes him, then he won't be able to do X. But, personally, I think it's a lie. Once you learn to tie your shoes, magically speaking, you can.
No, you pretty much lose whatever skill you got with the bargain. Look as Cassius, first things first, when he gave up his coin, he started to age rather rapidly to whatever his real age was.