Safest places to drop transfer are empty buildings in cities.
All that can go wrong really is your client/computer crashes. I don't know how long it can be on the ground before it poofs.
I believe back in the day on live you used to be able to give it to a mob.
What really sucks is that you can't drop gold, which you could definitely do back on live. Gems aren't too bad for exchange rate, but it still sucks.
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