Clan building is completely unusable by 99% of the player base, you choices are start a clan, beg your leader for promotions, or grind galleons like you life depends on it. Why even implement it right now if nobody has enough money to make use of it? I feel like the easiest solution would be make it if you are buying out of pocket, the items are significantly cheaper.
To be honest I just want to build an Olive Garden on whispering caverns
Two, I mean like a sort of budget for lower tier clan members, like a tier 1 member got to use 5000 galleons from the treasury for building per day, tier 2 got 15000, etc.