Comma before if and usage of “were”

In equity, however, in proceedings seeking a general adjustment of the co-owners’ rights in property when the co-ownership comes to an end, a co-owner may be given credit for improvements and lasting repairs he or she has made to the property, if the other co-owners would benefit unfairly were no credit to be given

Why that

  1. comma is placed before if?

  2. Why was “there no credit to be given”, is the same as “if no credit is given”, though I am unfamiliar with this usage of the word “were”. What are grammar rules?

Why do certain countries have so many of them?

Asked on February 27, 2021 in Other.
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