So I think we can all agree that multiplayer was a great addition to this awesome game, but do you ever wish it was a little more... customizable? Here are some options I thought of that could allow groups to tweak the experience more to their personal liking.

Shared Money (On/Off)
This is the big one. Allows each player to manage their own funds for things like inventory and tool upgrades. Shipping box could split profits among all players evenly, while selling directly to an NPC gives the seller the full amount (So you can grow your crops together, but your friends don't spend your fishing profits!)
Some way to transfer funds to other players would probably also be good with this.

Shared Community Centre (On/Off/Progress Only/Rewards Only)
On is how the game currently works
Off would allow each person to work on finishing their own community centre
(not sure how the final completion would work though)
Progress only would allow each person to claim rewards, making it a little more generous
Rewards Only would allow players to race to complete bundles to get each reward

Similar options could be present for the likes of the Museum

Shared Loot (On/Off)
Things like the mine chests, Legendary Fish and probably the galaxy sword creation could be toggled to not be instanced, again allowing for a sort of race, or just more managing of resources and swapping things back and forth for extra challenge

Shared Quests (On/Off/Story Only/Request Only)
Pretty self-explanatory, mostly down to personal preference

Shared Farm (On/Off)
This would probably be the biggest and hardest to implement. each person would be able to have their own farm property instead of sharing one. players would select which farm to go to when entering from one of the adjacent maps, and the owner would get a chat notification when someone else entered their plot. There would probably need to be ways to control who you allow onto your property too.
This could allow for more of a rivalry style of multiplayer where you can see who can make the better farm, and with a proper trade window where each player can offer Items/Money would make this even better. Obviously with separate farms, the delivery box would no longer divide the profits between players with shared money off, each farms box would just be separate.
Players could even pick different Farm maps (like standard vs riverland) and maybe there could be support for a mix between shared and separate where you could have two teams of 2.

So, after all that, what other multiplayer customization would you like to have in the game?