The main thing I think is join a solid guild where the leaders are not going to screw you over honestly. If you have leaders or what ever that would do what you posted above you should not be in that guild, because it is almost destined to fail.

The controls have to be there for a leader though or the opposite can be true. What happens if a member chips in and ends up being a complete a royal pain, causes constant drama, griefs other members. The leaders have to be able to kick that member and remove all his access payment received or not.

Unless I missread I think Yoshida said for most people to get a house everyone will have to chip in. From official translation: "A house of this size is going to require everyone to dish out some dough. It’s pretty expensive." I have yet to read where it state you Have to pay into it as in to use it, I think it is more you will have to pay into it to afford to buy it at all.

On the point of storage I hope there is both honestly, Personal and Guild(communal). As for Bank a restriction to leaders only for larger stored items and gil is pretty much necessary. Or else the bank would be impossible to manage.

All in all your concerns are relevant OP, but I think this is more of a finding an honest guild then something SE can fix.