I wonder if it would be possible to use a script to share ownership of an UTXO between 2 or more people.

 1 <A pubkey 1> <B pubkey 2> N OP_CHECKMULTISIG 

That would let every owner be able to spend these coins without needing to ask the other ones for permission.

This is at the moment a valid standard script that is accepted when it is being sent to the Bitcoin network.

But i am asking myself if this could be used to trick people?

If i pay with such a transaction with the receivers public key and my one in the script, i would still be able to spend these coins afterwards. And the receiver would not even notice that i am able to steal back my paid coins. Is this a realistic scenario?