Iksar monk as well.
You can FD and bank after it being successful without agro. It is recommended that you sneak while FD'd to reduce / avoid the agro you will get when standing up.
As for merchants. Most are non-kos, so as long as you can get behind them and sneak you should be able to trade and not deal with their agro if/when they turn around to face you. However other mobs that are kos, I believe merchants/bankers will assist in bringing the hurt.
In my time only really had an issue with buying wherever if someone wandering by (sergeant slate you D) agros then everyone jumps in.
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