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Clan BANK/Garrison
I was thinking given that there may be a large difference between the levels of the top and bottom 5 players in a clan there should be a CLAN Bank (and garrison).
The way it would work is the higher ranked members could send "extra" resources to the clan bank and the lower ranks could request access (say if that member needs to do a barracks/Town Hall upgrade but is having problems getting the gold/elixer saved up). Also there could be a Clan Garrison that could be used in a similar fashion.
to balance things out it should take 2 or 3 leaders to allow the access and there should be a field that shows you have done this (to prevent folks getting resources and then leaving the clan aka a WallStreet Raid)
(also a cap of total capacity every N days would work)
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This is ruled out by Supercell, and I don't think these restrictions will change anything.
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I like the idea but... there would be a huge amount of abuse of this system
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Why not just gather the resources yourself? Or win more raids. The amount of time and effort into an idea like this just isn't worth the outcome in the end because you're in the same boat as you where when you started.