Ok, let's break this down a bit more then...to the best of my knowledge.
For the division by zero error, there ARE no other events going on. Well, for these 2, I had a timer running in and out of battle (10 minutes to escape from place), but the first time it happened, was during a normal boss battle, no other events running at all.
The error message, I'd have to look it up on the guy's JTV.
The random game over is the weird one. When I set up the PHS system, it always gives you the main party member (fully healed at that), so it couldn't of been no party member. The second time he did it, it worked fine. It never happened to me either when I tested it before releasing the beta.