Land would be cut into lots with shapes which would allow multiple and overlapping systems of transportation, so that even roads and utilities would not have to be socialized. A condo is like a non-profit, jointly held community once the developer has sold all the units. All they lack is a requirement for coolness. I could imagine a time share system that cool people with money or property could join which would allow you to stay at any of the places where the community had a location. It would be like everyone having 52 one-week timeshares that can be traded with the other members.
Representative government is far from democracy.
If each person could vote to increase or decrease the amount spent on each budget item and each law, things would be very different. Media would have a much greater effect. Education spending and environmental protection would increase. It would be a great system because all the actions of the government require money. However, creating an effective way to defend our constitutional rights would still be important.