Merchants should only crash the game if there are errors in their item list (mainly when an item ID doesn't exist in the item DB). As far as I know there is only one merchant list (the one selling cloaks) that crashes the game in 0.6, this will be fixed in the next release. If all the merchants are crashing the game, there's probably something messed up in the DB.
Zonepoints still only work if they are also "hard-coded" into the zone 3D data, hopefully the developers should fix this reasonably soon (I don't know how hard this would be to fix)
I also noticed the coin disappearing bug, also that all your money tends to disappear when you buy something, even if it costs 8cp and you have several hundred platinum! I hope this will be fixed soon, for now you can get around it by only selling items when you want to buy something of similar value.
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