Answer:
Since joining a cooperative grants to its members economic advantages such as dividends, tax reduction, funding opportunities, the improvement of products and services, reduction of costs and continuity of the business, and although the state and/or governmet provide some assistance, the busness or cooperative do not become a regulator itself or a governmental entity;
thereby the options not considered advantages would be: 1,3,4&6, but paying debts & borrowing money are included as advantages though.