Spar/Fight reduces your stamina to 0.
Now you can't get out your wallet to pay the doctor.
Stuck there for 20 minutes idling to wait for stamina to appear.
What I propose is a -very- simple solution.
Add an @trust that lets other players take stuff from you without problems. This would simply make everyone's life easier and not have to wait 30 minutes besides an NPC doctor to get their wallet out for heals.