It can be used against your credit score for 10 years but your score can improve over that time frame and even be higher than it was before. I don't see how tha

It can be used against your credit score for 10 years but your score can improve over that time frame and even be higher than it was before. I don't see how that's even remotely comparable than punishing thought crime against the ruling party. It creates a permanent political underclass for thinking wrong. I don't deny that there are people stuck in credit traps (usually because they are ignorant of bankruptcy law) but to compare it to a stack ranking of citizens based on their political stances is mindblowingly dumb.