[rubyfan]

You can argue about the side effects or extended uses of credit reporting all you like I suppose. The reality of the credit system in the US is not a government driven activity. The market has created a behavior incentive to pay your bills and that’s one most are happy to live with. By contrast I can chose to disagree with whatever social campaign the government wants to dream up yet still operate as a private citizen. I am free to disagree without harming my ability to rent, take a loan or board an airplane. In a government centralized behavioral rating system you are beholden to the arbitrary rules of a political bureaucracy. Today it’s stopping at traffic lights, tomorrow video games, the next day alcohol consumption, oh and you get extra points if you showed up to cheer for the political party in power...