Regarding your first gripe: we're not privy to Three Rings' development schedule. We don't know what's planned for the Guild Hall, but they're surely aware of the demand for it, so we can assume they're doing something. We do not know how long that will take to implement. Besides, the advent of PvP modes and their accompanying Guild Team option is an incentive to join a Guild, and indeed an incentive for Guilds to be selective with their recruitment.

Regarding the second: there's such a thing as Prismatic accessories. They're colour-matched to the player. They're extremely desirable for precisely that reason. They're also the rarest accessories, because Three Rings knew they'd be extremely desirable. It's a pretty basic design decision - you of course make the best, most-wanted gear the hardest to get. It's not rocket science. Meanwhile, the other colours allow players to broaden the palette of their equipment a bit, which helps prevent accessories getting lost in visually samey loadouts.

Also, you do get a chance to pick your Proto gear colour palette when you generate a character, you know.

There've been a lot of suggestions regarding personal colour changes, but I don't imagine it can be a terribly high priority for Three Rings, although, again, it's not like any of us are privy to their development plans.