There are many cooperatives that you don't know about. For example, State Farm is a "mutual insurance" cooperative, so are many mid-western Blue Cross & Blue Shield (Anthem is private). Credit unions are cooperatives. Here's the problem: people don't choose cooperatives over non-cooperatives, and, even if they did, they do not participate in the governance of these cooperatives.

I think there is huge technology opportunity here: (a) increasing usage of cooperative services, and (b) giving consumers/producers "users" of the cooperative a real say in these organizations.