With renown decay, my guild doesn't have a prayer of hitting 30, let alone the 80+ required for a decent guild ship.
Meanwhile, I have a lot of real-world money, and would not mind shelling out some actual cash for the big ship. Even if we couldn't use all the ameneties, I, for one, am willing to pay TP to have that big awesome ship.
So, why not drop the guild level requirement on those ships? Keep the ones that you buy with in-game money, but let me spend real money on a big ship for my tiny guild.