So much is wrong with this post.....
First the ability to move AR around or obtain.
If you all raid you'd most likely have legendary armor or be working towards it to allow infusions to easily be swapped.(free)
Infusion removal devices (24 silver each)
Buying new AR (64 gold -using others calculations above)
I make roughly 50 gold per day yes that is full CMs, T4s, and recs so the ROI would cover any option quickly
Second, If you are only doing T4s comp is not that important. We only run a healer (HAM) for CMs and no healer after that. Yes we have Alac and quick but I am sure if we weren't worried about speed we would clear just fine without them as well.
I admit is was annoying to move them around in the beginning when I would PuG CMs and such but if it is a guild I would assume you all would form statics and you could just move the AR to the required character and play it each day until you save enough to build a new set.
Yes people say 64 gold is not a lot and if you do daily T4s it is not and well worth the investment. This post seems to be more of a we have some players not good enough to clear so we want you to make it easier (after the instabilities just got nerfed 2 weeks ago)
Fractals are the highest tier of 5 man content it should come with a slight gate and skill requirements. not all content needs to be easily cleared by every player.