For everyone else, it's suboptimal. Another reason I don't like the oversimplified view is that it tends to ignore that various tasks have different properties. Gardening and getting the community networked are very different and tend to draw different people, but both are worthwhile. So even without involving money, there can still be issues of trading one task for another. We hope, in the long run, that it all balances out and that everything needful gets done.
Coho has elements of both.
We are similar in that we want to live with more intimacy and community, but we are different in our skills, resources, and ideals. Making coho work is a balancing act between these similarities and differences, and it doesn't help to be overly dogmatic in emphasizing one over the other.