If ya ain't got, ya ain't got it, do not feel pressured, silver and gold come in time. When ya get above 15 you will be surprised how fast it multiplies, especially if ya pick up everything, and ya keep selling junk and unrelated to profession. Also the rewards for higher level events and hearts gets real nice. Not to mention Black Lion is finally starting to work again, even I can make a little on Black Lion. Just don't feel pressured.
What would the money on the "Guild Tax" be for? I am fully against any sort of forced tax to be in a guild and will likely leave if one is implemented, by the way.