It is easily possible to have a 1 in 100 year downpour, or that there is more rain now than when the sceptic tank was designed and installed.I accept that one person is now paying for empty but it will occur at twice the original period so overall its cost neutral cost
Also accept half the rainwater will half the possibility of inundation but if that hasn't been an issue in the past why worry about it for the future.
Overall not fussed eitherway just trying to advise the OP not to get fretted out about a non issue.
I wouild still take umbrage if my neighbour wanted to use my sceptic tank without contributing.
As I'm sure they would also.