I believe Yoshi P talked about this in an interview long ago. He said something along the lines that it's not against the ToS since it's based on in-game trade items/currency. Basically bounty hunting. I think he was also encouraging this practice, I can't remember because it's been too long. IMO they should have a bounty board where players could post requests for clears, certain items, and offer their own services. I suppose that's what the fellowship might be for other than the frequent eRP channels that show up? lol