Congratulations citizen! You have been awarded with a 600 FICO score for promulgating sinophobic nonsense. If you also prove that China is the Big Evil, you can get an additional 250 FICO score.

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I don't think you see the irony in using the dead trope of "Social Credits" when an actual credit score exists in FICO and can be used to deny you housing, loans (and therefore access to education), jobs, and more. And if you think it's just financial transactions, try looking at what companies like LexisNexis have on you that it coalesces into things like "RiskView", or how much of a profile skip tracing agencies have on everyone. Then you have the profiles built on you by several government domestic (and foreign) surveillance agencies. And you have the profiles built on you by several big tech companies. Just because there's not a single, unified, government-sponsored surveillance and consumer rating agency doesn't mean the tangible effects of such disparate systems aren't identical to what you claim happens in China (i.e., denial of services and access). It doesn't matter if it's 50 different entities controlling parts of the system if the end result is identical.