My schedule sucks, being a moderately successful adult.
I don't have a guild anymore; but when I find one I like, I can never raid on their days. Or on the rare day I can, I can't get in, as others who can be on everyday are already filling my spots (Two tanks and full heals per group after all; and who wants to keep three sets of gear now?).
Loot squabbles have never been a serious issue for me. At least, not since AQ.
Also, I'm starting to get jaded by the never-ending treadmill, as LFR is my only possible option to see new content... and bags of gold for almost two months straight is a bullcrap design decision.