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When the CG is over you'll get your voucher you can go claim... and if you ignore it for a while it will eventually get added to your total automatically.
If you mean cashing in the community goal then this will be done automatically after 2 weeks if you haven't done so manually. So you will not lose the money.
I don't think you can drop below 75% in higher categories you CAN drop down if other players pass you.
See the sidebar for community goals, every question answered there!
The rewards increase with each new tier a CG reaches with the biggest increase when it reaches the final tier, 8/8 for example.
Reaching and staying in 75% is minimal effort. That can be done in a few minutes for ANY community goal. It's not like you need to spend a lot of time on it. If you don't have a few minutes to participate in a CG then I don't know.
Doing just an hour or two each day will actually be enough to keep you in fairly high on the ranking actually depending on what the community goal is.
Also, the reward grows as each tier is met.