What is kind of funny is rolling and "everyone gets their own loot" still doesn't fix the problem.

If your friend picks up something you need he NEEDS to give it to you. If he outdated a piece of equipment you need, he NEEDS to give it to you. If you need a spell from the shop and only he has money he NEEDS to buy it for you.

Congratulations you created two systems to fix a problem that doesn't address the actual problem, it actually makes things worse because now they can say they own it... rather then them being in possession of it.