This was posted in a different thread: Is this how it works? If so, do all GMs know to check such a thing if they are paged for help? I've seen an incident where someone had a piece of armor disappear due to apparent "insurance bug". Then, 3 days later, this person died in combat and only then, finally, did the item appear on the corpse. It seems possible that the item was stuck in the "ghost backpack" for those 3 days perhaps? What's the deal, how does this whole thing really work? I've observed a person operating a 3rd party app (a non-allowed one) and when the person died, the insured and blessed items appeared to be sitting in the player backpack (the player backpack is not normally visible when the person is dead). So, this is odd.