Quote:
Coin is deducted from you. But the items don't seem to appear in your inventory. And the next time you zone, you hear the cha-ching sound and your coin is restored to your balance.
This may well be happening - I'm not saying it's not, but in my case, I got to keep the items and did spend the coin.
I bought several spell upgrades for my warden, saw them land in my inventory and scribed them on the spot. Later on, I also bought some food which I then put into shared bank. It was still there this morning.