[step:Derive structural properties of $\mathcal{F}$ from maximality]
We establish two properties of $\mathcal{F}$.
**Property (i): $\mathcal{F}$ is closed under finite intersections.** Let $A, B \in \mathcal{F}$. Set $\mathcal{F}' := \mathcal{F} \cup \{A \cap B\}$. We claim $\mathcal{F}'$ has the FIP. Given a finite collection $H_1, \ldots, H_n \in \mathcal{F}'$, group them: those equal to $A \cap B$ contribute $A$ and $B$ separately to a finite collection in $\mathcal{F}$, and the rest are already in $\mathcal{F}$. Concretely, the intersection $H_1 \cap \cdots \cap H_n$ equals an intersection of finitely many members of $\mathcal{F}$ (replacing each appearance of $A \cap B$ by the two factors $A, B$), which is non-empty by the FIP of $\mathcal{F}$. Hence $\mathcal{F}' \in \mathcal{Z}$, so by maximality $\mathcal{F}' = \mathcal{F}$, i.e. $A \cap B \in \mathcal{F}$.
**Property (ii): If $A \subseteq X$ satisfies $A \cap B \neq \varnothing$ for every $B \in \mathcal{F}$, then $A \in \mathcal{F}$.** Set $\mathcal{F}' := \mathcal{F} \cup \{A\}$. To show $\mathcal{F}' \in \mathcal{Z}$, fix a finite collection $H_1, \ldots, H_n \in \mathcal{F}'$. If none equals $A$, the FIP of $\mathcal{F}$ gives non-emptiness. If some $H_i = A$, list the remaining $H_j \in \mathcal{F}$; by Property (i), $B := \bigcap_{j \neq i} H_j \in \mathcal{F}$ (using induction over finitely many factors), so by hypothesis $A \cap B \neq \varnothing$, i.e. $H_1 \cap \cdots \cap H_n = A \cap B \neq \varnothing$. So $\mathcal{F}'$ has the FIP, hence $\mathcal{F}' \in \mathcal{Z}$, and by maximality $\mathcal{F}' = \mathcal{F}$, i.e. $A \in \mathcal{F}$.
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