Gee, does that bank really imagine that a dozen property owners would somehow let their road become impassable, especially if it's waterfront property involved? Have they gone "regulation nuts?" Maybe your neighbor should tell the bank that they should be realistic if they want the continued business. There are other banks. Maybe the bank official is from away, and has no understanding of how rural life works. Jerk his chain a bit.
Our road is shared by several dozen property owners, and there is no document in place for road maintenance. One of the owners collects the money and arranges for maintenance each year. No problems at all, really.
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