You could write another book around the ideas presented in snowcrash but sticking to the ones you mentioned, I think will end up with a mixture of the concepts.

My reasoning is through my growing up with the fantasy version of "Guilds" (not the real ones).

Through guilds as presented in fantasy tropes you get access. Access to people, sure, but also access to things that you would otherwise be actively prevented from getting anywhere near (anything from weapons to loans and insurance).

Guilds also offer gigs and protection (kind of like a criminal gang really).

You have to stay within the rules of the guild in order to stay a member, as well as paying a fee/tax.

In that way, they sound a lot like mini countries, or burbclave right?