I don't know why so many of you are asking for things that won't happen.
Why can't it be something simple, like a bonus to FM?
FM can be used to buy point cards as is, later it can be used for FM lotto.
Why not have a guild option that sets % of every win by all guild members to go into a mutual pool of FM that all receive?
Similar how the current guild system works, but instead of being just one person getting the points, the FM is split.
If a person wins 100FM in a game, all guildies get 10FM, or something along those lines.
It still helps everyone, it doesnt break current rule sets of the game, and it is still not trading.
However, the benifit of a guild becomes obvious, especially if the guild has a number of active members.
I'm Chromatic, I embody all Spheres.