"The major weakness of co-ops, and the reason for their scarcity, is the enormous difficulty of
financing them."

https://thenextsystem.org/sites/default/files/2017-07/Symbiosis_AtLargeFirst-corrected-2.pdf

(and I think because co-ops/people are not finance-based or want to be <--- both usually that the quote hits further home the point)