And thats why its hard to pinpoint something like this. Original code had everything drop into your corpse
Then we had some blessed stuff later, like spell and runebooks, there were still issues then, but have been worked out now.
Now with insurance, people assume you ran out of money, or misclicked. It could be packet loss of the insurance/bless tag at the point of death, could be a little hicup from compounded code, or anything else.
There are times at em events where i have opened a player corpse and looted stuff from them. I cant see why someone woukd bring a character in the thieves guikd to an em event.
And there are times where my pets attack blue players and pets and summons in tram, but that isnt supposed yo happen either.