Same here, but I can understand why someone might want to. For many people, even those that are comfortable on the command line, a GUI is a more comfortable experience. And, I have (rarely) needed to do some filesystem management as not my primary user account.
I think co-ops are the way to go, but I can understand that someone “just” wanting to purchase the good/service might not see the difference between a co-op and corporation like Amazon.
I don’t think it’s a size issue really, but co-ops generally stay smaller in part due to how they are internally organized compared to a “median” corporation.
I also think that the government actually does a pretty good job at managing things; it’s just their failures are public. Private boondoggles might drive many people into bankruptcy, but they aren’t publicized any more than absolutely necessary.