It's always been that weird sort of dichotomy--being in a guild, you get frustrated by all the slackers who are taking up space and holding back group rewards. At the same time, you feel like you shouldn't want a mobile game to dictate someone's life.
After I quit the first time, when I came back I decided I was going to lay down some ground rules for myself. One of those was that I wasn't going to join guilds full time. This frees me up from a burden of commitment for one thing. When I feel like I really have a gear crunch where I need some extra rewards, and I have a free week where I won't mind commiting to guild stuff for the week, then I can merc for a guild for that week. I fully hit everything I'm supposed to. Then I can go back to my little hidey hole and play the game as it suits me.
It doesn't seem so much to ask that more casual players just merc occasionally as they need guild stuff, and fully commit when they're in a guild, and then can play how they want the rest of the time without letting anyone else down. Otherwise, you are just a mooch.
The 0 TW score thing really baffles me though. You realize you won't even get rewards, right? So why did you join?