If you look at the history of the US credit system, it used to be about other aspects of like (a bank employee factored in if you went to church, were an alcoho

If you look at the history of the US credit system, it used to be about other aspects of like (a bank employee factored in if you went to church, were an alcoholic, etc) and it resulted in low access to credit, especially to minorities. That it eventually became regulated and limited to the financial domain was actually a huge feature of the credit system in America that unlocked a lot of good things. So from the US point of view, a "social credit system" seems backwards in a "been there, tried that" kind of thing.