Please answer a question about the following article about Age of Enlightenment:

The first English coffeehouse opened in Oxford in 1650. Brian Cowan said that Oxford coffeehouses developed into "penny universities", offering a locus of learning that was less formal than structured institutions. These penny universities occupied a significant position in Oxford academic life, as they were frequented by those consequently referred to as the "virtuosi", who conducted their research on some of the resulting premises. According to Cowan, "the coffeehouse was a place for like-minded scholars to congregate, to read, as well as learn from and to debate with each other, but was emphatically not a university institution, and the discourse there was of a far different order than any university tutorial."

According to Brian Cowan, was learning more or less formal in coffehouses as opposed to private institutions?
less