Ah, so in order to have a job you have to buy a place in the company and partial ownership along with all the risks that entails. It would be fairer once you are employed, but can you see the issues that would result is? Do employees get to vet new employees as their investment would also be at risk, what you you get when you leave the company, especially if its value is rising or falling rapidly, what if some want to invest in a core piece of equipment and others don't, how much does each role require you to buy and how do skills increase or decrease this amount? What happens if you get fired?

On banks, co-op and joint ownership banks do exist.