An Elf walks into a bar and says, "Ouch!" A Half-Orc walks into a bar, picks it up and throws it at the Elf. A Halfling tries to walk into the bar, but is too short. A Dwarf walks into the bar and rubs his head.
The Zen is not available to the character until you withdraw it. If you see it on the web page and it is associated with the account, log in with a character, go to the Zen Exchange in game with the character you want it for and withdraw it.
If you don't see them coming, you have to be more observant. They can't touch you if you see them first. When you have locked skills, run! Don't stand and die. Use your dodge 2x toward a teammate. Then run until you get to them. Not paying attention and standing in the same spot = death.