I regularly have an over-abundance of rep items, various crafting mats/crafted items, or have an ability to make useful temporary upgrades (eg sharpening stones), as well as oodles of semi-decent greens that drop.

While I could sell these items, I think it's much more beneficial to put them in to the guild bank.

The things that hold back an individual from being a contributing member in the guild:
1) Mount expenses. For your first toon, getting the 100g/400g/1000g/5000g for your riding skills is a long hard slog.
2) Keyed for instances
3) Equipment
4) Levels

Anything that you can do to help the members of your guild go from beginners through to reliable, competent and supportive members of your guild is a good thing.

However you can't invest too much money/time in to a new member to the detriment of the rest of the guild. This is where some kind of policy eg you must be in the guild for a month before you can make any withdrawal; you must be prepared to front 50% of the riding training fee and pay back that 50% before getting another loan, etc etc whatever.

Basically if your member is honest and reliable, having the guild support them to geared up and available to help is a no-brainer. Being sure that this member is honest and reliable, and not going to ninja everything given the chance, is the real issue.

Since this can never be foolproof, your alternative is to stop stressing about what your superior officers may or may not be doing and instead focus on your responsibility. If you start looking for shadows, shadows is all you will see.

The guild bank is for you to donate items to that you do not need. If you need the money, don't put the item in - things you put in there are surrendered to the officers to dispense as they see fit; you no longer have ownership over it. If you feel some expectation or obligation of return of investment for things you put in, you are setting yourself up for disappointment.

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