I mean, the counter-argument is that nothing is stopping you from creating such a co-op today. You not doing it is seen as a point in favor of capitalism/ruling class.
My parents were immigrants themselves and I immigrated again to a different country in my 20s. I arrived with a backpack of clothes, an old laptop and money to pay a shared apartment for a few months.
But cool story you came up with to justify your prejudice.
That's not a natural outcome. That's an artificially created made up barrier. That does not justify capitalists. That shows how they have purposefully rigged the system to be reliant on them.
Systematically unfair system requires us to continue unchanged to the advantage of an incredibly small number dbags who own everything already, 'cuz they have all the money to invest'. Good critical thought dude.
Oh don't get me wrong, it's a thoroughly unjust system. That is just their argument for perpetuating it. (I could definitely have phrased it better)
And I also believe it's rigged.
Which means that the only way to win is to break the rules, or play a different game, which sounds more ominous than intended. But I do believe we need to do away with capitalism, or the very least capitalists. Either the $1 billion "you win" cap, or just a wholly different way of economic organisation. Other options are available, but few are as civil.