I waited a long time before placing the following questions, hoped to find an answer by chance so that my ignorance is not revealed, but no such luck.

Here are the questions:

1. I see many people wasting(?) time at Malas Bank or W.Britain Bank, just sitting there, not talking, not doing anything. I log out, log in some time later, they are stil there, same position. What are these people trying to achieve?

2. Mostly around Malas Bank I see items moving up to the sky from a player or down from the sky to the player, what is going on?

I'm sure I'm missing something seriously..