What are the use of guilds i have not been able to figure it out is there n e kind of rewards for being in 1 except for getting a percentage of your money taken away if not i think i will be guildless.

when you attack someone, say who is a higher level than yourself, if you are in a guild then your guild members may attack that player for you as well during that attack.
Also, some of the 'better' guilds offer items and points and other shiz as prizes in monthly compet*tions and stuff

Also been in a guild is just part of the game. Its like a samll community who can help each other if you like.