I think Wurm Online had a similar issue with vehicle ownership on server cross (same as entering a new town/country) they had to set the driver to the owner each time you would cross. This way the owner was always the person last driving it and they could always be transferred back + Settings allowed you to set it to friends, village use etc.
With some default settings, you could make it so the owner can set these town/friend use to default on. That might be a workaround to the issue that better than straight up saying no transfer.
This should at least make town assets a possible thing and enable some multi-user vehicles for the time being till a better solution can be found. I never heard of any issue due to letting friends use boats in wurm as the player had the agency to not do it at all, so when they did it was to trust people who would hand it back and that was a none reset base world with boats costing 5-30silver (5-30e if bought silver) or a lot of time.
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Eco works a bit different to that, with settlement legislation being able to override any "settings" a player makes purposefully, as they are governmental actions - that means that things that are against the will of a player are specifically intended to be possible. Hence every settlement has a specific jurisdiction that applies either based on location or on who owns something and if they are a citizen.
Given vehicles aren't stationary the location based approach that is generally the case for deeds (as you can have deeds in a town without being a citizen) would be extremely abusable, as you can easily get into a jurisdiction without noticing and the law will apply instantaneously once you are there and you could suddenly be thrown out of your vehicle when you cross the border and find your truck has a new owner - most frustrating experience.
It's why if we change that the citizenship of the owner would likely be the determining factor on who can interact with a v...
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