There's a pretty broad difference between a system that determines "does this person honor their payment agreements according to the objective metrics of their

There's a pretty broad difference between a system that determines "does this person honor their payment agreements according to the objective metrics of their payment history and credit usage" and a system that determines "is this person a 'good citizen' according to an opaque set of random metrics, many of which are non-financial and defined by the state". Comparing them directly in this way is not only disingenuous, it indirectly handwaves the objectively oppressive system China runs.