These problems also exist with debt and I think similar solutions are also possible. Muslim law banned interest. Jewish custom create Jubilee where debt was for

These problems also exist with debt and I think similar solutions are also possible. Muslim law banned interest. Jewish custom create Jubilee where debt was forgiven every seven years. America has a fairly forgiving bankruptcy system. I think the world of personal data scores is coming whether we like it or not, the only question is how is society going to codify it into law. Privacy laws may also apply to this where you are only allowed to keep these kinds of records for a few years and then they have to be expunged. At the government level, maybe your childhood mistakes phase out over time by law.