Then people would join a clan, take all the crap for other crap, and leave.
Sorry, but that's a terrible idea.
If you needed to trade with someone, or wanted to, friend them, trade, remove friend.
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You make it sound awful, it wouldn't be room to exploit it if all these people are friends in game or have a common interest. I'm not saying have incentive for a clan membership meaning a free gally, because people will drop in just like they do for exotic chest or checkpoint and leave. While say, you're already in a clan of close destiny buddies, and they decide man you never get gally to drop, take my ninth one. Or after a nightfall which has happened to me your friends get something they don't need and you get something they want. Both of my clanmates got Gally to drop while I got a second obsidian mind and my friend had a new warlock that need it.
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I see way too much exploitation happening that way.