How about: all IP and money is divided equally among team members?
What we're trying to do at Dust is help non-technical founders "buy" and MVP. Of course it would be great if they end up iterating with the same developer and hopefully end up as co-founders, but it's difficult at this stage to split IP, especially if they haven't had that discussion. But you have a valid point and hopefully we will be able to come up with new ways to help permanent teams come to life through Dust. We'll make mistakes along the way, but we'll get there.
If non-technical founders can't afford to pay for their MVP or offer equity for it (which has no value anyway), then they have no business trying to found a company. Not everyone can be an entreprenur, and that's OK.