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I'm guessing English isn't your first language Enola - if it is, then my second guess is a serious deficiency in language skills, or maybe even an attention problem. Here's the answers to your question, which were already posted on this thread and easy to read on page 2.
1) In ordered to learn certain skills that are only offered by certain guilds, you must be a member of that guild. If you leave that guild, you lost those guild-specific skills.
2) What was clear in reading Matt's response, was that no credits were taken away from Kimberly. She spent her credits on things - and those things were taken away because she abused the privilege of getting those things. She chose to spend her credits unwisely, in other words.
3) The_logos IS Matthew Mihaly. He didn't have to change his name to be that.
Finally - that sentence - your closing "With no discontent" - did you mean "With no disrespect?" I'm just curious about that..heh.
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