But I can't withdraw any of it, I can make a deposit but I'm a broke mf.  So here I am in a guild that can't really help me.

Sure run throughs are good, but I don't really need those.  A good group can waltz through a dungeon and pick up twice

as much exp as a run through with a lvl 80.  So my fellow guildmates can't really lend a hand, I'm sure they have things they need

to do for their own toons.  I thought about this for a second and I realized that it was not what my guild could do for me, it was what I could do for the guild that really mattered.  I can use my professions to equip lower level guys or sell my produce and donate the gold to the vault.  I could be the guy who runs the lowbies through a tough instance,  I might be low level myself, but a level 20 will sure appreciate a lvl 30 tank in a dungeon.  

Guilds are not about getting geared and rich,  it's a way for players to pool their resources and knowledge, so that everyone in the guild can enjoy the benefits of membership.

  I'm a seargent in my guild now, I get a fair chunk of change to pay for my repairs, I get nearly full access to the guild 

vaults and my tabard looks sooo cool!  

One of the best things about guilds is the chance to run with experienced players who know what they should be doing.  I myself prefer a bit of a plan when taking on instances, and even just questing.  For example, I play a warrior and fill the role of tank, when I run with my healer buddy I know that my life depends on me being able to keep the mobs from hitting him.   That healer is my lifeline, and when you're in a group that healer is everyones meal ticket, no one should do anything to endanger the healer unneccesarily.  Pulling becomes the hot topic here, some scrubs think that they can pull with their hunter or rogue, even magic users get stupid and start casting 

big spells way too early.  

For example, I was in an instance that was probably too tough for me at the time, with some other lowbies and a bit higher healer.  Everything was going fine until the elites started turning up.  I'll admit that I can't put out the damage like some, but I can hold aggro just fine, you just have to work your high threat moves and use your taunt ability wisely.  This scrub hunter decides he's rambo or something and starts pulling extra creatures, we were ok with single and double pulls, but we really started to struggle when rambo started pulling four or five.  We finally got to the end boss, some huge turtle, and we started to clear away the mobs so as to fight the boss alone.  We killed two mobs, and the hunter goes and shoots the boss.  Right away he's getting squished, I'm not about to taunt that boss, and the healer sure ain't helping  either.  We were able to avoid aggroing the boss after the scrub died and kill all the mobs and then the boss, just like planned.

Long story short, if you're in a guild run with your mates cause most folks have no idea how to play their toons.