Why do guilds fail?

I have been reading some very interesting posts on raids and raiding which got me to thinking about the people that I raid with, and about pugs and what could possibly improve that situation. I arrived at the conclusion that the anonymity provided by Blizzard is at the root of the problem.
Consider this, when someone posts a comment or article on the internet that clearly shows their identity, they only post something that they are willing to stand behind, something that is aligned with their values, and they they are proud of, or at least feel very strongly about. When you give that same person anonymity when they post, they may be far more willing to "step outside the lines" fling hefty accusations that they can't backup, or any number of other malicious things. I believe the same thing happens in WoW. Right now it's all very anonymous and you create a virtual identity, i.e. a character name, that is in itself not even a permanent thing. Paid name changes cost only $10. The ease with which you can change the only identifiable characteristic of your character is quite low, and I believe gives rise to a lot of the idiocy that goes on. I would be fully in favor of Blizzard showing both the account name, and the real name of the player, and I'm not just talking the name that the account is registered under, because that can easily be faked. I'm talking about names on credit cards. Something that can't be faked. Sure this will still open up the door for people who use the monthly payment cards to stay anonymous, but if they want to remain anonymous then guilds can easily exclude those people. Also showing the account name that characters belong to would be an great leap forward. A lot of people wouldn't go to the trouble of creating another account just because of the costs involved in purchasing a new copy of WoW, BC, and WOLK. This would allow for a lot more accountability to be placed on someone. If you steal the guild bank and transfer servers, guess what your account name follows you, and your guild can make sure that those on the new server know just what you did. No more guild for you. If you want to get back in with a good guild, you now have to buy a new account complete with all the expansions and either transfer your character or create a new one. This would open the door for a site to show you who the good and bad players are. A service like Carfax, except for WoW. A player could place a notice about you on your player report, good or bad, and each account could have a history of activity, server transfers, guild changes, etc. Those players that attempt to infiltrate a guild just to steal, or that guild hop, or ninja loot could be easily identified, and black listed on the site so that guilds can easily exclude them from membership.
This brings me around to mention how our guild actually works, because it aligns with what I've mentioned. To join our guild you have to know someone in the guild. Not just online, but you have to actually have met them, know who they are, etc. Our guild is mostly made up of friends, family and co-workers. It's interesting how the guild has grown, and the connections. I joined upon the invitation of a co-worker. He joined through his sister, who was one of the founding members. There are several husband and wife pairs in the guild, as well as a father and daughter. All in all the guild is drama free, and it's because of the real relationships between these people. There's absolutely no anonymity in our guild, everyone has at least one real friend, relative, or co-worker who knows them, and it works great. Now this is not to say that we have downed all the current content. We're still working on the Antechamber in Ulduar 10, Trial 10 (first boss), and VoA Koralon. We have downed Naxx 10, Malygos 10, OS 10, and Naxx 25.

For interest here are the other posts that got me thinking.

http://feedproxy.google.com/~r/ThePinkPigtailInn/~3/k5gBWIP4bG4/why-you-shouldnt-let-one-man-run-show.html
http://greedygoblin.blogspot.com/2009/09/better-devil-you-know.html