Ais an enclosed facility from society both socially and physically, where all inhabitants share all aspects of their lives daily.

The answer is: Total

Total institution usually created to place a group of people that has similar situations that are seen as 'abnormal' or 'unacceptable' by most people.

Example of a total institution would be a criminal prison. All people that are put on that place similarly conducted some things that broke the law. So the government felt that they should be separated from other people so they do not endangered others.

consumer credit. an advantage is that it allows consumers to afford expensive goods and services now, increasing their standard of living. however, a disadvantage is that it creates a trap for debt, if people do not have self control, they may see themselves filing personal bankruptcy.