[2023] How does Guild taxes works?

I'm pretty new to the game; I started playing Albion just 4 days ago. I found this fairly new guild with 10+ players, and they invited me to join.

As a beginner, I wanted to earn more silver and fame and get access to more content , but I'm very skeptical about how the guild system works. I saw the guild tax of 1% and I wondered if the guild founder could take all your silver when you're offline by raising it to 100%.

My question is, "If the founder of the guild decided to increase the guild tax up to 100%, would I lose all my silver?" And how do guild taxes work?

Thanks!