I've only been playing this for two days now, and really there is no point to holding somone up or killing them for anything. Every major town is well within reach from spawning with minimal effort. I think it might have taken me 30 minutes at most to get to one. Zombies are easy kills (stand still, one hit with firemans axe to the head) so they shouldn't slow you down too much unless your reckless. You will alway's find food or water in a house somewhere. Holding people up or killing them is pretty much for your own ego where everything you need is all over the place in the major cities. I personally don't go online to help a person stroke their ego. With reguard to the people server jumping, the game rarely makes it past 10 minutes without connection issues and 1 hour of play before it starts crapping out for me personally. 4 or 5 times now i've logged back in loosing everything and respawning. So not everyone is server jumping for loot i'm guessing.