cant we have a community trader where the fees are higher to sell and buy items , than if you used a guild trader.
Its called zone chat, but consoles don't have that. Yes it costs less to sell in zone chat, it just takes more effort.
Join some guilds, most of them will leave you alone as long as you are nice and don't clean out the bank. Some will be all up in your game, for good or bad. Decide on which ones you like and drop the rest. You can drop a guild easier than joining one.