There are actually really interesting tech intersections here, possibly. 8 years ago I published an article[1] that ended with some speculation about the possibility of automating organized consumer action to permit, for example, people to coordinate to force companies to drop abusive terms in contracts. The co-op model is in the same family.

Back in the day, my basic idea was basically this: the reason that consumer companies can impose unfair terms on people is because it's basically only a small amount of money to an individual, and it's costly for people to coordinate. For example, the expected cost to me of some company's arbitration clause is small, because the probability of any individual into a dispute with them is low. But in the aggregate it's bad: over a million customers (say) it's almost certain that one of those customers gets royally screwed by it. So: what if all those million customers of company X could all agree to automatically cancel their service contracts with X, if and only if enough other people also agree to do so that a simultaneous cancellation would cause real pain to the company's bottom line. And then enforce that agreement with automation. Some basic game theory suggests the objectionable clause immediately goes boom.

[1] https://utppublishing.com/doi/abs/10.3138/utlj.2017-0047 ... sorry for the academic journal paywall