Dunno why you'd wanna bother either. It doesn't look like there's any reward for finishing 'all' guild quests after all.
And money is plenty due to the heaps of money item drops. I really had a tough time purposely failing the payments my first run through since the DEV stupidly limited both your carry capacity AND your storage.
So I had to spend 100's of thousands on random shizzle just to NOT make the payments (since the game doesn't allow you to 'refuse' payment if you actually have it).
At least it seems AP is infinite, so I just bought a bunch of those 30K items to raise it to get myself broke again while keeping as much 'money' as possible in my (way too limited) item storage.
I also didn't find out about the carry capacity boost item until like the very final day of that playthrough.
I only finished with 67% of my gallery though from that playthrough.