Yes, I agree, it is very hard. I’ve talked to a lot of founders and was working on getting a company off the ground myself.
The perspective and the idea of a co-op however is completely different from what you describe: to distribute the hardships, the risks and rewards right from the start onto many shoulders. There’s no more “my company, my sacrifices” etc. It’s all we.
Well, then there’s a business idea for another co-op right there: one that does nothing but connect potential co-op founders. A marketplace of ideas and abilities, if you will.
Also, your co-founders will contribute time as well as capital to free you. The challenge then becomes decision-making. IMHO, if you can come to terms with relinquishing control, you can be part of a successful business in a co-op easier than in a classical setup.