So let me get this straight, you want me to give you money so that you can build and run a business, and you also want me to have no control over how that money is used, and for me to get no benefit from the whole thing?
Democracy means representing the will of the people. Do democratic processes produce better outcomes? Because the last 10 years of America would seem to indicate polling for the collective will is no promise of good outcomes.
You understand that you're complaining about the fact that non-workers can't own a cooperative and as such they will not invest in them, right?
You're literally complaining about what you don't want to happen not happening...