Back in the days of Marx and Engels this was known as Owenism and there's a critique of it in Socialism: Utopian and Scientific. It has been tried, including in the US.
For a more modern critique check out https://kites-journal.org/2021/11/01/revolution-has-vanished-replaced-with-fantasies-of-dual-power-counterpower-base-areas-abolition-and-other-bottom-up-bourgeois-democratic-illusions/
Basically you can't just cut yourself off from the capitalist system, and trying to create cooperative structures that coexist outside of capitalism just turns into better conditions inside the system for the members of your coop while dampening revolutionary consciousness. When you try to turn those structures into revolutionary vehicles they run into problems.
edit: oops damn shouldn't have posted the mutual-aid-isn't-communism take in the c/mutual_aid, that's what I get for sorting by new