How account ownership works
Two different things in Quidough get called an owner. One is the person who runs the household. The other is whose money an account or a budget is, and that’s the one this is about.
Owning something doesn’t lock anyone out
Marking an account as yours is a label, not a lock. Everyone in the household can see and edit every account and every budget, whoever it belongs to.
It’s there so you can answer “whose is this?” at a glance, and so a view of my money against your money is possible at all.
An account or budget belongs to one person, or to everyone. There’s no owned by two. A joint account is simply a shared one.
It only appears when there’s more than one of you
On your own there’s nobody to tell apart, so there’s no owner field anywhere and everything is just shared. It turns up the moment a second person joins.
New things start as yours
Once you’re sharing, an account or budget you create starts out marked as yours. Change it to shared or to someone else before you save if that’s wrong; the default is only there to save you a step.
Editing something that already exists leaves its owner alone.
When someone joins a household of one
If you’ve been running the household by yourself, everything in it is shared, because there was nobody to distinguish it from. The moment someone accepts your invite, all of it becomes yours, so what the newcomer adds is clearly separate from what was already there.
This happens any time a household is down to one person as someone joins, so it can follow a departure as easily as a fresh start.
When someone leaves
Their own accounts are archived with all their history kept, and they stop belonging to anyone in particular, so one unarchived later comes back as shared. Their own budgets are removed.
None of this changes the household’s figures. Whatever those accounts hold keeps counting in your totals until someone records where it went, and because they no longer belong to anyone, it counts under Shared rather than under the person who left.
Anything marked shared belongs to the household rather than to a person, so it stays exactly as it was. Leaving a household covers the rest of it.