personally, i feel that works for clans that have low levels - mid lvls in it.
Rigth now, im at lvl 70. I have about 20 mill pot money. The best way to make money are boss hunts. I would be pretty pissed off if I got a kukurie ring that I can sell to buy pot money if I have to give it to the clan. I found the boss, i soloed it myself. Attilia as well. Some clannies wait there for 3 hours or more! And if they get a WP, even though they may already have it, they need to sell it for money and it goes to someone who didnt spend the time waiting. My ideal clan would be like this. Solo bosses, you keep it. But anything that requires more than yourself goes to clan bank. CLan banks do not need kukurie rings, Dragon Tooth Hammers, Chitin Bows or that kind of crap. They need like EMEs, REs, WEs, IB, GB that bosses drop which you cant solo. Those items should be given out by clan, the others, you have to obtain yourself.
If I was running cz and I found a ROL, even though I may already have 2, I would be pissed it I had to hand it in. I spent my time lvling, my time running in circles and fighting off the orcs to get this ROL and its just going to slip from my hand? Thats pretty ridiculous. It may sound selfish but personally, if you dont work for your equipment, dont expect others to do it for you. You can say, Im not high lvl enough etc etc...then go lvl and worry about yourequipment later.
In NO, CZ bosses are yours, eslant bosses are clans. I think that is pretty reasonable.