There's a couple of great counter-examples: #Sanford, for example, has a good reputation of using its surplus to support new coops. And Mary Ann Johnson Coop in Tottenham is doing great work in gently cajoling other older coops to use their financial power cooperatively.
https://www.sanford.coop/
https://maryannjohnsonhousingcoop.com/
There's also secondary coops (coops whose members are other coops, i.e. umbrella coops) who try to respond to this issue in various ways:
1. @RadicalRoutes encourages member coops to lend surpluses to the RR Loan Fund (https://www.radicalroutes.org.uk/radical-routes-loan-fund/) which supports new coops to purchase property.
2. #CollectiveOwnershipSociety is a new secondary coop where members own property but at the level of the secondary coop, so that this property can be leveraged to buy more property. I think this is probably the most direct answer to the problem you posed, but it's still a fairly new organisation. https://www.collectiveownership.co.uk/
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