Though I enjoy your example, and see your point, claiming that money is the same as China's social credit score is disingenuous. Money is not entirely centraliz

Though I enjoy your example, and see your point, claiming that money is the same as China's social credit score is disingenuous. Money is not entirely centralized, you can spend it as you like, negotiate prices without government interference, and move it between people without the government deeming it acceptable. Other people can make you rich, the government doesn't get to tell them they cannot give you money. Your analogy dovetails nicely with arguments against cashless societies though, as it would be easy to implement a centralized authority over currency clearing using a social rating system and centralized authority over banks.