Which was exactly what my spouse did to me by having access to the password and then changing it with the utility company and not updating it in the password manager.

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?

Sounds like you can already do that with the "delete from org + recreate in personal" workflow, so an "unshare" button would just be streamlining that existing capability.