It's really not a good idea to assume that a FC is going to be anything like the business world. Some FCs are all business, but many - probably even the vast majority - are more like social clubs. FCs would like their members to hang out together and have fun. Depending on the FC, you wouldn't necessarily have to have a bad attitude for folks to decide that you're not fitting in with the group. I know from personal, real-life experience that even just not being social in the RIGHT WAYS can be enough to get you excluded from a group.
Don't take it personally if the group decided that you just weren't a good fit. They were probably right - and that's not to imply ANYTHING negative about your own attitude. Some folks just don't mesh well together, and you're probably better off finding another group that's a better fit for you.
As for Sneaky McShadypants, I highly doubt that he had anything directly to do with your dismissal from the group. I, too, have not heard the phrase "trade down" used in this game; it's possible that, as others have said, this person wanted you to help trade items to an alt character. I'm not sure.
As for the lost 300k, that sucks to be sure, but even if it seems to be a lot of money now, trust me when I say it's a drop in the bucket in the long run. Also, I believe you can recover any furnishings that were lost when the room was demolished; I think there's an NPC in the housing district that holds them for you.



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