Solubility of chocolate in water and fat Seasoned Advice
It isn't 1+1=2. It's rather like 1+1=8,3543 or so. Chocolate mixes with water, milk, and coconut cream, and gives a homogenous liquid. But coconut oil doesn't mix with chocolate, and instead segregates and repeals, giving liquid chocolate with oil swimming on top. Yet, cacao butter and coconut oil mix together well, giving a homogenous liquid.