From #openttdcoop wiki
Moneymakers were preliminary networks built in old coop-games. Typically, coal was transported to get some initial money. This is classical moneymaker is not used any more. Usually, games start with airplanes, as they can be constructed with minimal terraforming and without messing around with industries.
Only few terrain-changes are done and the tracks are unorganized to save money and to earn as fast as possible enough cash to start with building the regular network. Hubs are typically quick-and-dirty (see Ghetto Style Hubs) except near the primary drop. An inefficient hub is typically tolerable as the added delays are tolerable and the network is not near capacity and unlikely to jam. Not only are goods like coal increasingly profitable for longer runs, they are relatively insensitive to delays.