You don't seem to be able to think clearly on this issue and your increasingly stretched analogy is simply confusing you further.
A better analogy is a divorce: everyone keeps talking about, "the divorce bill." When a marriage partner petitions for divorce and walks away from the marriage home, they don't give up their share of the financial value of that home.
All analogies are wrong to some extent.
That's why you come up with another failed analogy, which has the same problem(s) as your previous, which had already been pointed out. There are (at least) three failures with this analogy:
(1) there's a tangible asset involved, viz., the house
(2) that house can be sold on the open market to a third party
(3) you're discussing two equal partners.
The UK is not an equal partner to the EU. It's a member of the club, that's not two equal partners. There is no tangible asset involved. The main assets of the EU are the laws and regulations it has made, and you've made clear that you want none of that. Furthermore, there's the intangible asset that as a club, the EU has goodwill and negotiating power. You, meaning the UK, cannot sell your "share" in those assets to a third party, so their value is zero.
Besides that, the EU has some minor assets like the fissionable material it owns. The EU has made a concrete proposal on that: the UK gets to keep the fissionable material that's now on her soil and we call it even. The UK hasn't even made a concrete (counter) proposal on that, only some waffle like "huh, we have to somehow split that material".
The reality here is that we're leaving the EU and will only pay the legally required minimum to do that. Anything we pay over and above that minimum will be because of perceived benefits going forward - and the benefits we're seeking are good trading terms that require negotiation. The EU have stalled the process by insisting that we agree to pay more than is legally required before trade negotiations start.
If you pay peanuts, you will get monkeys. You understand that the more the UK skimps on the divorce bill, the less inclined the EU will be to give a good trade deal after Brexit? And no, the EU has not insisted you pay more than legally required. Barnier knows what he's talking about, the UK government still has no clue.