"Final ownership" is a neo-Platonic idea that we can and should discard as disinformation. "Ownership" itself has no inherent existence. It's a meme.

It's a waste of time to fantasize house rules for capitalism. One, they will never be enforced faithfully because the core value of capitalism, alienation, is never really open for serious critique, and the same applies for any other society. Two, a thwarting value has never really changed the operation of any system for those who do not have property in it. In both tribal and modern societies, the organizing value always ends up dominating and embarrassing the uniting value. Worse, people remain blind to the facts and cling desperately to those debunked ideas as if doing more of what has failed will work this time, for sure. The whole exercise simply affirms and blesses the idea of totalitarian rule, and perpetuates the false idea that style is more important than matter.