Mormon Dilemma 962 LDS Church is Refuge for Saints

A Comprehensive History of the Church of Jesus Christ of Latter-day Saints 1: 392 – 393; “It is the Christ’s church in all these respects; but it is an institution which also belongs to the saints. It is their refuge from the confusion and religious doubt of the world. It is their instructor in principle, doctrine, and righteousness. It is their guide in matters of faith and morals. They have a conjoint ownership in it with Jesus Christ, which ownership is recognized in the latter part of the title. “The Church * * * of Latter-day Saints,” is equivalent to “The Church of Jesus Christ,” and “The Church of the Latter-day Saints””.

Ephesians 1:22-23; “And hath put all things under his feet, and gave him to be the head over all things to the church, 23 Which is his body, the fulness of him that filleth all in all”.

Questions:

How can the church ‘belong to the saints’ when Jesus said it belongs to Him? Matthew 16:18 

Why isn’t the Lord a refuge for the Saints? Psalm 18:2 

Why isn’t the Bible the instructor in principles, doctrines and righteousness? 2 Timothy 3:16 

Why isn’t the Holy Spirit their guide in ‘matters of faith and morals”? John 16:13 

Why or how are they owners of the Church when it’s made up of human beings? 1 Cor 5:16-20

How can Mormonism fulfill all these roles if Jesus is ‘all in all’?