you? Maybe. Me? I have about 15k in credit card bills, $20 in the bank, and my current rent/utiliies take up ~60% of my monthly income. I also have no leverage to be trusted to run a co-op, so I can't attract proper talent to realize the business.

Maybe in a decade when the market and my debt recovers? But I'm planing to work for myself anyway. I have no issues with a co-op if I ever make enough to bring someone else on.

Good idea, I'm gonna quit my job today and start my own coop with all the earnings my current employer shared with me! Oh, wait...

Seriously though, most people cannot afford to just quit. You at least need savings for that, and you need to be fine with burning through them and still failing, cause that's a very real possibility.

Please, again, don't be so naive. You know that creating a company requires capital (not just financial, all of them), which only the richest have. By design.