The trouble with your proposal is your overempowering Guilds, when one of the stated goals of Fractured is that a solo player would not feel punished for not being a member of a guild or city. It is reasonable to limit some crafting to cities, making all players have to utilize cities to get everything done, but there are the starter cities and open cities for the solo'ist. It is not reasonable to make Guilds so empowered so that non-guilded players felt compelled to join a guild to get an equal experience of the game.
As to commerce, 'The Game' gets a cut of things as a gold-sink on purpose. This is an intended part of the game balancing. There is no limiting factor as to how much gold is available via mobs, so there has to be a way to reduce gold overall in circulation, not perpetually increase said circulation at an accelerated rate. As is, we don't have sufficient gold-sinks right now to keep Gold having a real worth as of yet, but they are working on it.