I think the non-monetary aspect of "mutual aid" could be focused on better in this community, instead of "aid" just being solely monetary donations, we could organise groups and discussions devoted to keeping each other honest with finances, and helping each other budget, find potential sources of income, things like that. Have it work like an actual mutual aid org instead of just a donation bucket. Maybe have a monthly/weekly discussion topic about financial issues and ways to deal with them, or more emphasis on mentorships and accountability, if people have trouble organising their finances and would like someone to help keep them on track for their longer term goals.
This isn't unique to this mutual aid comm, I've seen way too many people spiral despite getting financial aid, because they don't have the emotional support network they actually need to push past their current issues. I don't think we can do things on the same level as an IRL organisation, but a little bit of help beyond just financial aid, might end up going a long way, both for the health of the comm and the people in it.
At the same time, I do recognise that being too open about locations and events is bad opsec, and I'm honestly not really sure how to square that circle.