[brbrodude]

If the app was open source/free in some way, and coops forked some of the money into development, maintenance, infrastructure, etc, then maybe it could really undercut the big guys, have quality, innovate fast and etc and also distribute capital fairly. So instead of having a big guy owning everything and dealing all the cards, the development people would get paid for the service provided to the coops, who in turn provide service for consumers. I've actually had conversations with a friend on doing this exact kind of thing.