You miss an other important point … scamming and abusing. What if the guild leader kicks all his guild members and sells the town ? I’d not place anything that has a worth for me in a “shared” location. Buildings ofc … My shop with a mimimal set of equipment too. But not my most worthy items.
Furthermore if this place is owned by a guild and if you go offline for a long time the guild will take whatever they find and keep it too. Where is the difference to vanishing beacons and lootable chests ?