I think the point of co-operative/collaborative parenting would be for the group to agree on how to raise the children. You collectively raise the children, not each adult implementing their own rules/methods. When you have differing opinions, you would most likely compromise and come to a common ground. The whole point of working together is to operate as a group to reduce the workload and not work in isolation.
The predatory credit cards in the US should be not legal. They are exploiting people who don’t have so called “financial literacy” and encourage wasteful spending.
In Europe the US style credit cards don’t really exist and people just have debit cards. Also there is a social safety net, so people don’t have to rely on keeping money in the bank for when they become unemployed.