Aaron if that's what you and Cindy believe, then I'd naturally agree. While we should be helping each other out, Diablo 2 players (or just MMO players in general) should learn how to build themselves up from scratch as to avoid being overly dependent on others (worst case scenario would be dealing with beggars) and to obtain basic knowledge of the game. Low-level equipment particularly runewords are incredibly easy to obtain; this is essentially how the vast majority of people start out-even the ones who own several thousands of fg. As for me, any dispensable gear I have I'll offer to a fellow clan member if it doesn't have much value.
There's nothing wrong with asking for hand-me-downs nor help with a quest but everyone should be aware that D2 is all about the grind. No one should feel guilty over enjoying the game for what it is.