Coops are still about the money. They’re about saving money by sharing resources with fellow workers/consumers, and maintaining democratic control over the company. You’re not going to get rich from a coop (without embezzlement), but you and your coowners will be cutting out the middle man. Obviously, it only makes sense for industries that you’re heavily invested in.
Bill their insurance for your lilies. Driving is a privilege and drivers should take responsibility for their mistakes while driving.