In a “mutualista” association, the “Investors/Donors”, the “Managment/Agencies” and the “Consumers/Beneficiaries” are supposed to be the same people, solving the conflict of interests.

For example, a “cooperative of health insurance”, where all members pay a regular fee (“donors”), if they are sick the cooperative pays their health expenses (“beneficiaries”) and the rules and policies of the cooperative are decided in a general meeting (“agencies”).

Even if you don’t believe in the real possibility of direct democract and, then, you don’t believe that the member could really fullfill the role of “management/agencies”, I suppose that the reunion of the roles of “investors/donors” and “consumers/beneficiaries” in the same hands will be enough to solve the main problem