This is such a dystopian and paranoid view of the system. And unfortunately, I think if it's not totally a reality now, it's one we're heading for as it is the unchecked natural end of our current path.
Everything I mentioned has already been happening, it's just a matter of scale. It's becoming more common as time goes on. If it hasn't impacted you personally already, it will although you may not be aware of it.
If your insurance rates go up next year, you won't be told that it was because people in your area spent more on fast food over the last 6 months than last year. you just get the highe4r bill.
What I fear is that we'll end up with a digital caste system where people are treated very differently based on hidden scores that follow them everywhere.
I could be badly misinformed, but I have the sense that the Chinese social credit score system might be relatively open in its criteria, and prosocial, compared to whatever emerges in some other places.
In general, with a more open system, you might also have more hope to redeem yourself, or at least evaluate effective options.
I have heard that China's social credit system isn't all that much different from what we've been developing here in the US, it's just more transparent. At least the person in China who can't board a train to travel knows why. We can have all the same oppression right here at home while our oppressors can boast about how free we all are, how they are empowering us with choices, and how grateful we should be for their benevolence.
