@JanJo I have continued in creative mode and have being exploring opportunities to help with this form of collaborative tiddlywiki use. I have a number of leads that could make this easy, and reliable for naive users.
This gets somewhat complex very quickly because tiddlywiki presents a lot of opportunities, and of course understanding what users can do or understand, is a dark art rather than a science. Even more so when you include consideration of different browsers, their features/settings and the Operating system.
I am confident there is sufficient opportunity to solve this, for example I have found a way to convert a tiddlywiki found at a URL to generate a unique filename for saving changes. We can add user name into this, to handle a full class of submissions, but then we need to “enforce” the provision of user name.
Do let me know where too many clicks are needed, I imagine I can simplify the process with some of the tricks I have acquired.