I believe this is the right solution and the one cahootz is proposing. The Coop AI moderator can be fed goals in the json and a unstructured charter that anyone in or out of the coop can see. Then before decision are made you would be required submit a proposal. This would allow the most and least significant member access to the funds on a more equal basis.

The drama would move to how to make the prompts "fair". Spoiler: "fair" is code word for we are all the same.