I've been playing for a day or so on/off.
The servers are very unstable and I can rarely stay connected for more than 15 mins.
There are lots of bugs; invisible zombies eating your back, players that don't seem to take damage (maybe Vermihax is playing).
I agree with Rain on all his points. The global bank is really strange, you can just log out, re-equip or drop items in your bank and then log back in.
As noted, the online shop sells ammo and food, so it's kinda pay to win. I killed a lot of people with guns who had no ammo.
I must say I had fun laying waste to people with a hammer but I can't say at any stage I felt scared...more amused really.
