What about having a house owned by multiple co-owners? All resources and storage space would be shared, and any of the owners could let people in when they knocked. Personally I'd prefer to pool money for a larger house and live there with friends.
An easy way to do this would be to let homeowners invite people to become co-owners. You'd need a more complicated system to prevent someone accepting a pool of money and running, but hopefully most people trust their friends not to steal their currants.