> This kind of ownership is much closer to lending money to someone.

No it isn't. It's 'fractional ownership', a mechanism designed to defray the risks of a single venture across multiple people because the risks were larger than any single individual could bear. The case that created it was the India runs with ships that could carry more valuable cargo than any individual could afford to buy or insure.

Spreading that risk through fractional ownership eventually led to the stockmarket. So it absolutely not at all like lending someone money.