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In my old guild, we had it set up so that all officers could access all tabs in basically unlimited quantity. It was a risk, looking back on it, but one that was limited to 6 total people. Everyone was involved in organization in some way, so it was necessary for easy access to things. This was in semi-response to the previous (pre-2.3) system where I was the only one who had control in any way (4 lvl 1s in IF, each with max'd banks/bags all 16 or 18 slotters). This was a hassle for me.
The money was all in the guild bank, but access was completely limited to guild leader, so people could look at it, but not take it.
There were only two tabs that were FFA : tab 1 (open donation/food tab) and tab 4 (pots). Anyone could take unlimited stacks from either, if they chose. In the two hacks we had since 2.3 (both due to family members looking at stupid things on the interwebz), neither bothered to take anything from the bank. If they had, net loss would have been ~ 500g worth of food/pots. No big deal.
At this point in the game, I was basically willing to trust our officers to not be morons. If you want to be completely sure, limiting it to one person is just fine -- when you hit 200 epic gems and 100k gold like Fusion (nice screenshot, btw), it obviously makes sense to limit exposure. Possibly even (when you hit a certain point) use guild donation money (RL money) to setup a *separate* account which has full control. Then never login that account. Ever. That would theoretically be the most secure way to do things: put limited withdrawal privileges on everyone, even officers, and put the guild leader in the hands of a level 1 that never got logged in under anything but the most stringent circumstances.
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