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Guild masters that require a "down payment" of jewels, zen, or archeage gold items are usually scammers trying to take advantage from others. They know people get desperate to belong in a guild, and thus, capitalize off it.

Don't let your desperation to belong get to you. Find a guild that you believe you can trust, as well as meet the Guild-master's requirements to join. Also, respecting guild-mates of another guild can give you big positives to join the guild.

Trust determines how well you can rely on the guild-mates. This doesn't mean you go and donate all your blesses to everyone. Simply throw any spare items you don’t need to guild-mates that need them.

If you see that a DK member needs a SS+skill, and you find a SS+12+skill but don't need it, be generous and give it to the DK. Jewels should only be given to the guild in some sort of treasury, with much trust put into the treasurer. Only spare jewels that you know you don't need.

If you need to get an item because your current item is obsolete, then you can hold onto your valuables safely to get the item.