You could always replace him with a "banker" who instead loans you the means of production on credit, but nobody is going to make you a lathe for free out of the goodness of his heart, nor buggies for your grocery, nor the produce for your shelves and meat for your coolers. The banker makes you take the risk because, if it fails, he probably takes your house.

Believe it or not co-ops exist just fine and some do very well. It sounds like what you would like is a co-op and I will be quite happy for you if you start one.