1. You're absolutely right. Game freezes/crashes are much more serious.
2. The coding I mentioned, however, should be easy fixes. Right now, the game has been coded to play Fortune and Bank first. It simply cannot be much more difficult to tell it to, instead, just play them last. (I'm not a coder, but do have friends in the biz, and have asked about this issue.) Certainly, no one here has ever posted to say, "We've tried to address the huge problems with Bank and Fortune, but it's proving to be really difficult to code
Obviously, if we got that sort of response, then we'd have an answer. Game tried to address the problem, but was unable to. I think everyone's assumption so far is, "They are just not bothering, and that's really weird. Why on earth not address it...or, at least, try to address it?
" As I've written before; I now routinely resign as soon as a Lord Rat game happens to get Bank or Fortune...it's no fun playing, since it's almost impossible to lose such a game, entirely due to Lord Rat 'intentionally' playing those cards as poorly as possible. [Same issue with Remake, since LR tends to buy 5+ of them, and trashes Provinces as often as not. But, at least with Remake, you can see how it would be really difficult to code, since the strategy varies so widely game-to-game, depending on the kingdom cards, stage you're at in the gameplay, etc.]
My two cents only, of course.