how about this angle: if your a casual player, say 10 hours a week, your guild doesn't do anything organized or your not in a guild. Why exactly do you need current tier epics?
again, we go back to the Health Club analogy. You are paying a monthly fee for access to tools to attain your goals and the enjoyment you derive from those activities. It may be necessary for you to adjust your goals to those which reflect the time you can dedicate to them.
no where is it written that the person who uses the tread mill for a half hour a day be allowed to win Mr/Mrs Universe because they pay the same amount for membership.