Not sure about ps4 guilds but as far as you being responsible goes...

Should any guild lose their trader bid I seriously doubt its any one players fault. More likely than not just luck (good or bad) when placing bids. As I understand it one guild cannot see any other bids from rival guilds so. Certainly a first character below max level player cannot be held responsible for any guilds failure. I mean when I was playing through my first character I didn't even start to accumulate gold until well past vet rank 5 or so. In endgame with a good trading guild and ti e spent farming or just selling unwanted loot one can make load of cash quite easily.

By all means though if someone is part of a trading guild without dues that has a trader every week its members should be donating what they can afford to, no? Most good trading guilds though have dues I believe but in any case. You get what you put in I believe the phrase is. To an extent that's true of most things.

I agree with everything posted so far, and will also add: even big name trading guilds with large weekly dues or minimum weekly sales requirements lose traders sometimes.

So now that you know even the "professionals" in the business aren't perfect, I hope you feel better.