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Then you can co-own it like you would co-own something with a roommate. You own the percentage of what you put in.
So because people are incapable of looking after their own interests, we need the government to come in and play daddy? Sorry, I can't get on board with that logic.
And many who own something with their roommates still have to go to civil court to determine its worth and how it will be worked out.
Again, you are living in this fantasy world where things do not happen in accordance with your ideal belief.
The reason we have civil courts is because the government is needed to solve disputes. That is the absolute purpose of civil courts and it has been working for a long time.