Yeah the golem's have a chance to drop Amulet of Necropotence a ~350k item, and Puppet Strings, a ~200k item and one of the most OP items in the game, so they will always be contested.
People sell the tear + fight for 100k now. It used to be cheaper, but it went up. If you could get a tear, and asked on the forums I'm sure people with level 60's would be willing to help with the fight for free. I would help.
By far your best chance is joining a guild that does golem's frequently though. Like Loramin said, literally everyone that joins a guild does it for a selfish reason so don't worry about that.
If you just don't want to join a guild, you could farm shit worth like 3k to eventually get the 70k at 54. It would be brutally boring and time consuming but it's doable.
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