I’m sorry to hear about the fire, but I think you missed the point.
The reason for a loss matters and the emotions around the reason also change. Just having blank acceptance is dangerous and people/corporatations would love to take advantage of you if you just accept bullshit.
So your answer to “not owning” anything is to borrow the “thing” from someone/something else that owns it?
With your library example literally not being possible under the dystopic future OP projects.