Guild system suggestions
Your second suggestion was implemented over in WoW in the form of each quest reward giving ten percent “extra” money to the guild of the player.
This led to incessant spam guilds being created with the explicit purposes of (a) recruiting as many players, especially new players, as possible, and (b) thus channelling more money into the bank that the officers could use for themselves.
It did not result in higher quality guilds, it resulted in more guilds, used for the benefit of the people making them, at the cost of the players — because the guild didn’t do anything other than use them as disposable sources of income.