If a bank earns 10% on loans and gives 2% on a deposit, it means that it earns 8%. If I have any savings and borrow them at 6%, I will earn more than on the deposit. The borrower, on the other hand, can get a loan of 6% (instead of 10%) which is also very beneficial for him. This can be done in the current legal status, but it is not easy. If anyone was interested in such a business, please contact me. It used to be called the Provident and Loan Fund and was a natural form of mutual aid when the state and banks did not want to help.
You can also make a periodic dump from 2 people and invest the collected money in mutual insurance or investment in expensive equipment that each of us separately would not be able to afford. The cooperative must be established from the beginning – from you and me.