Why do animals have money?
Money is put on animals in order to save time and space. It would be the rough equivalent of skinning the animals and trading the skins or selling them at the market.

Why can a certain mob cast in a room where all my spells fail?
Some mobs are able to cast in their "home" even though players are not. This is deliberate and is not a bug.

Why can a blinded mob use a spell/skill on me?
You too can target the person you are fighting if you are blinded. Simply enter the spell/skill with no target. If it is a "violent" spell/skill then it targets the person you are busy hitting.

Why can a mob bash without a shield and disarm without a weapon?
Otherwise we would have to load many extra objects just so that mobs could use these skills. These extra shields and weapons would just end up lying around unused after the mob was killed. We do have possible solutions but for now you'll have to live with it.