I have an assets field called "member_thumbnail" on my "members" channel (created by zoo visitor). When I make a channel:form edit form or the equivalent edit form from zoo visitor, I am able to successfully upload files using the native full assets field ({exp:assets_field_name}) but not with the simple file input method outlined at the docs here:
http://docs.pixelandtonic.com/assets/templating/channel_form.html
I found a workaround here: Simple HTML file field uploads with Assets and Safecracker
The workaround is to add a hidden input with NULL value for the field name you want to affect. Unfortunately, when you submit the form without changing the photo this way, the photo is cleared, naturally. So this workaround causes too many problems.
I want to use the simple method to avoid showing visitors all the uploaded files in the directory they are uploading to. Otherwise I would be happy to use the full assets field.