How say you if........
You, as a PVT Pilot, arrange to hire the acft to fly to Woop Woop return, 2 POB or 3, or 4.... and on safe return, you pay for the trip at the counter.
Then, later, you and your friend(s) adjourn to the favourite bar where you sort out the differences......
Seemed to work Ok in 'dem good ole days'......
No accident - so no 'litigation risk' - you all got back safely.
Big Bingle! - PVT flight to all concerned, so no litigation / risk to the family home etc.
(You DO have to trust your friends...)