I think that the need for demidollars became very relevant when playing, a key costs you 24 demidollars and the chests give you something like 500 demidollars, although in the sewer you can open the doors to get more amazing items (at least that's what I remember)
Yea eacht red crystal increases your XP earned by 0.1x. In version 5.9, I think, It always respawned one of the liches once the dungeon was reset. I just defeated the lich, got out the dungeon, went back in and repeat.