While I would never deliberately make chests inaccessible, I don't doubt some exist unintentionally :-) Where did you see the inaccessible chests? I will fix them.
I added some spooky looking inn keepers in the spots you mentioned (but they won't be cheap, haha! ;-)). The inn keepers will be in my next release (0.2.8 or later) which will come out when I have gathered enough other bugs, enhancements, and features to do another release.