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I personally would go with the preference of changing the "Hall" to a small town (basically a bigger homestead). With it being entirety customizable for the guild (Different building styles, tree/garden styles and such) Maybe with a choice for services as well (Smiths that can be upgraded for cheaper repairs? Or Crafting stations that can get higher success or something)
it's quite obvious posting on the forums for a legitimate answer is a waste of time.
What legit answer would you like?
If people are harassing you, report them. If they are constantly making things hard on you by getting around that, then I'm sorry, there's no way to help you. There's more ways to get around it than there is ways to stop it.
Its there a place without toxic people visible?
Yes. Go to a random corner of iria no one goes to. You wont see anyone.
Is there a place no toxic people can reach you?
No. Note, alternate characters exist, ways to get past bans exist.
Can you get away from it from switching servers? Not in theory. Cross server communication exists. So as long as you don't use the same name maybe. But even then it would be the same as remaking on Alexina.
But for people who do actually believe everyone is toxic (Or is insert bad word here.) Grow thicker skin, learn to appreciate small positive things and the few genuine people you meet. You'll live life a lot happier. most the people are are rude to others is because 1.) They just have a different sense of humor. 2. Dealing with problems and can't cope with it, or 3. Just jerks or 4.) You are just misunderstanding their intentions. Either way its easier to just not take it seriously, because chances are in their life you arent that big of a concern for them, so neither should they be for yours.
The reason why they may go on bothering you is because of the reaction of caring too much about it.
With a iria update we can probably have new transport mounts, including flying ones, like up to a dragon.
If we added a body guard system why not allow players to be a bit more evil as well,and have bandit outposts where you can go rob people and get a little money for robbing in the name of some bandit boss. (Of course you'd need a way to equalize the stats so massively power people can't just bully newbies.)
I've always liked games with some randomness/chaos in it since its more immersive, so why not have random events for commerce? For example you step on the beneficial event spawn point and say a caravan of some wealthy merchant spawns and is being attacked by bandits, scaled to the players level/to however much they are carrying. After defeating the bandits, the merchant would offer decent ducat reward. (Again a scaleable/relative one)
We can also add new titles you get for commerce which can give more carry weight, or a increase in ducats gained.
Investing, add several new npc/groups around the world and some sort of grand exchange that allows you to invest ducats in these businesses, they can either make or lose money based on the activity of that business.
Of course all these new ways to make ducats, there has to be a update to add more exclusive and expensive items. Maybe regional/cultural specific ones,
and 4 others. 
