I can see a lack of precision on my part.
Being allowed to utilize Federation resources for the benefit of the Federation per their Philosophy of Self enhancement, does not infer ownership, it's probably more like "profit participation". Resources dedicated to individuals or collections of individuals by some local municipal body should be expected to yield more quantifiable resources than it took to generate that yield, which is true of any successful economy and how you measure profit, and so subsequently trickle sideways to everyone else in the Federation who is equal and the same, and also trickling profit/enhancement sideways from whatever their personal endeavour might be, which creates thick overlapping zones of enhancement benefiting everyone Federationwide.
(Doesn't that sound a lot like Paying it Forward?)
Let me explain my thinking.
If we assume that the Federation is a benefit state based on a brighter version of communism, not so different than how most governments now days processes welfare for the disadvantaged based on need vs. queuing, then the ownership of a lot of the sturdier possessions of Federation citizens are both transitory and illusionary, and can probably be reclaimed at any point, which is what happens to normal people in present day if they don't pay their taxes.
The Federation owns everything, but the queues are probably pretty short, since there's almost infinite resources, as long as the empire keeps expanding.
It is the Federation then who decides to allow who gets what (on a temporary basis) based upon requisitions for Federation assets for custodianship, which is obviously not permanent or it would be ownership and not custodianship (And why clothes are put back into the replicator when you have finished with them.). Meeting criteria is important. If Joseph Sisko stopped cooking free meals for the public the Federation would reclaim his ancestorial home because space on Earth is at a premium, and his living space is contingent on his job to be an anachronistic historical delight that is a billion times less efficient than a selfservice replimat. Ditto if the Picards stopped making wine. Historical sites worked by a family with historical ties, who do not actually have title deeds, but just short term custodianship contracts because they meet state criteria to manage these historical landmarks, who would be forced to leave if they did not meet those requirements, just like any other civil servant from the entire history of time.
What I was saying about acquiring greater "collective resources".
Examine...
A man with one wife and three children is given (temporarily as long as they meet criteria) a house and surrounding lands that will fit 5 people.
A man with nine wives and 35 children will be given (temporarily as long as they meet criteria) a house and surrounding lands for 45 people.
Polygamy = Mansion.
Monogamy = Condominium.
...
This thinking is based on something I saw in real life.
We have a housing system for low income families called "Statehouses" which has been in effect for decades. The idea is you wait in line for years, and then you get a rental property for 1/4 of your weekly income per week no matter what your income is, which is usually impossibly small wage packet to qualify for state housing. This as you can imagine can be effect rental prices massively under market value, since some of these houses can fit a family of 10, and all these houses are very liveable since maintenance and quality control is guaranteed by the government for free (new houses are being built as old ones are being decommissioned/demolished. It's a living system.).
This is what happened.
A Mother had two adult children and they all lived in a state house.
Upon her death, the children (who I remind you were adults) where asked to leave because the rental contract was not between either of them and the state but the deceased and the state, even though it was the house they had been brought up in all their lives, and it felt like their house and they probably forgot that it wasn't their house, but other people had been waiting in line for years, for that family to move or die, who now had no legal rights to continue living there.
...
In my head, this idea is a flash of colour.
Words are so imprecise at describing ideas.
