Real progression guilds will not let repairs bills stop them. 20-30 wipes? Try 100+ for some Nightmare Mode bosses. This is what farming/off-season is for. Run some dailies, stock up the guild bank between raids, and then use those tens of millions for when you spend 4 hours just wiping day after day.
Plus, many progression raiders don't sport low level orange shells and have been paying top dollar for repairs.
So according to you, "real progression guilds" have no problem with paying 2 million credits per player per run for some NM bosses? Don't think so.