A crash of the client cannot influence the state your char is in, because everything is stored serverside. Therefore, the only time when a crash can take things off your char is when the
server crashes before it saved your char.
This is something that I have been wondering about. Before the great wipe (and what you describe is not a wipe, even if things would have been lost permanently, sp please dn\'t call it \"wipe\", this is confusing.

) the server could crash but things were never lost. Now the server seems to be saving only in very few instances, which is bad IMO.
At least it should save when stats or items are gained / lost. This doesn\'t happen too often to allow a DB access (maybe use a delay of a few seconds to possibly accumulate things, like training, before saving). The position, which could create massive load on the DB, is of lesser importance.
Edit: a crash of the client
does influence the state your
account is in. Example: the chaincrash error which ends in 161. This almost always occurs when trying to log back in after the client crashed, including by the same error (which can lead to chains of crashing).
This even happens when you don\'t relog immediately but shut down the computer and let it sit without power for a week. Therefore, there
is something left over serverside when one crashes.
I will have to find out if this applies to rejoining using the char that was loaded when the crash occured, or if it also happens when you log back in using another char on the same account.
Note that this does not always happen. AFAICS, it happens with a ~ 50% chance.