[will_brown]

And I tried to acknowledge the difference in my original post, by saying it’s “just a different way to skin the cat.”

But that’s why I added the edit, because I had to acknowledge people in the US love the credit system like people in China will love the social credit system. That’s unfortunately probably the most important parallel the people welcome the systems.

[Just_Smith]

I agree - so long as financial credit comes with perks, people are going to be apologists for its flaws. Now that I work in software, keeping good credit is a non-issue. However, when I was making less than $10k/yr, it was the bane of my existence.