Welcome Alessandro,
Metamath, and other computer assisted theorem provers, are designed for proving theorems in a very rigorous way.
Metamath in particular is a very small system that explains every proof step. So if there is a theorem in the database, you will be able to find a proof and browse it to your heart's content.
"I'd love to use and contribute to this database, but sadly, a bit like in real life, if I own something but I've lost it, it's like not owning it at all!"
Currently I don't know how to interpret this statement. Let me try to give you a different statement. To own something, you have to find/buy/obtain it first.
The thing that everyone here already obtained through a combination of either a higher mathematics education and/or working with metamath is knowledge.
Here is a non-exhaustive list of what I would focus on learning first:
Try to understand how informal mathematical proofs in prosa work. Learn how the induction principle works, learn the rules of propositional logic, learn how the quantors work.
Learn what sets are, what functions are, what images/pre-images are.
Learn how the real numbers are constructed. Well this is all basically in your first year math's curriculum, so take a good Analysis 1 book and familiarise yourself with it,
Metamath proofs are very verbose, every step has to be explained and every proof usually just has a few key ideas that make it work.
If I gave you a theorem in the database, you could browse the proof. But would you understand what it says? Would you know what the key ideas are?
Those are much better explained in prosa, but the technical details are often left out. You'll likely not see the forest for the trees.
If you still want to contribute, then the hard part and work begins. Everything that you've learned you can throw it out of the window.
Metamath is an extremely harsh and unforgiving system and at the beginning you will struggle with nearly every statement.
When I started, I already had obtained all the informal mathematical knowledge through a math's degree.
I still had to learn everything from zero, the only difference is I could understand the concepts and ideas quicker.
For you, it will likely be even harder and the learning curve will be even steeper.
Over time you'll what the patterns to use and what patterns to avoid. The database is mostly filled with useless theorems for your current proof. Finding stuff will indeed become a challenge.
But, if you see it as a video game, you'll start with level 1 and your first boss is already a level 50 elephant.
To defeat this elephant you will need to use a vast array of concepts that already exist in metamath. So don't be frustrated if your first proof takes you a month or more.
Over time, you level up by learning more concepts. You learn when to apply what theorem, You learn how to structure an informal proof in a metamath translatable way.
Eventually you will be level 70 and your boss is still a level 50 elephant, so now the proof takes you only a few hours instead of a month.
Then you can formalise harder challenges (i.e. higher level bosses) where again you'll need to learn new concepts.
Don't be discouraged though, although it is a very painful and arduous ride, you'll have lots of fun formalising the theorems you want.
You'll also gain a very detailed understanding of how mathematics actually works.
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