Even if you do loose your money, filing a report about it will result in your money being returned ASAP. So there's no point in changing the rules now
Or you just stay freelancer and dont have any problems related to clans. And you still can play together with other people on the server without any restrictions.
Want to be a trader? No problem, want to be a pirate? Well, then be it.
What i like to say is: It would be cool to join several clans, and be able to have all the benefits.