Guilds need to go beyond level 100 eventually. Right now even after level 100 the guild still earns renown and therefore so do the characters also 'bank' renown and also have a percentage that goes toward that guild.
If and when, and it will happen, the guild leader 'banks' 50 million renown they could in theory kick everyone out and own the level 100 ship. After all a level 100 ship with a potential to have that many Chests available all to oneself is tempting.
Or if someone leaves on bad terms it does nothing and is nothing if the leader has banked 50 million renown.
It could happen sooner than we think since Sagas are now giving out such huge chunks of renown now.
I think it is prudent to start thinking about making ships able to reach level 150.
What do you (forum community) think?