[Jeena]

Those are all things you choose to do while in a guild, if you don't want to spend money, doing something you'd be doing regardless of being in a guild or not, then just don't join in.
You don't have to get too involved either, you could just sit at the sidelines.

Personally, I don't mind spending, I love my guild, it's great, & it's worth spending gold on.
& anyway, if you're only counting tonics & ships, the maximum you can spend is 800 if you buy all the tonics & repair a war frigate, it's not really that much. You can easily make that back in Poker, or sailing with a crew or even just fighting enemies.
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