Well, I can finally say I had this happen. I was helping two guildies grab a couple fire bugs for their crafters. With too much spawn on me, I died. Got rezzed and went to a safe area to re-equip. I hit my UOA macro, and the redress stopped at my bracelet. Hit it several times, no joy. Manually finished and went back to my corpse...I double click my corpse and my INSURED orny pops into my backpack. I immediately check my bank funds with a house placement tool and I have 1,734, 447 of gold in my bank account. I head out, recall to the bank to check, and find that it is all LOOSE gold. No checks whatsoever. I immediately uninsure and re-insure all my items and head back. Good thing I wasn't in Fel at the time. Needless to say, there does seem to be something to this, at least in my eyes. How/why/when it happens I think is tougher to pinpoint.