A more user friendly approach would be for the entry’s ownership to always remain with the original creator and simply share that entry with the organization. You could then later revoke sharing the entry with others or the organization. This is how almost every other file sharing works.
I’m sure there are underlying issues, especially since the goal is for it to be cryptographically secure, it’s just not a very user friendly system and as I said it’s ultimately my own fault what happened to me.
I think as another commenter said we’re complaining about the wrong piece of the flow. Important accounts like utilities should have a mechanism where as many users as necessary are tied to an address. In many households it will be one user but in some it might need to be 2, or in the case of roommates 2+.
We can have multiple users tied to our mobile phone service provider so why not the gas or electric?