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Notes -
Why doesnt this already exist without the blockchain? Youve made some argument how blockchain would be helpful, but it seems more like the idea of using blockchain came first, rather than being something that came up as you tried to make the business model work.
The general answer to "Why isnt this a co-op, thereby removing the adversarial profit motive?" is that the people who want to buy the good dont want to tie up their capital in the co-op.
There are various co-op and mutual insurance schemes, including in healthcare fields. Many of them rely on some kind of affiliation networks to lower the risks.
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