[TeMPOraL]

A matter of time, I guess. Your "insurance score", as seen by insurance companies, provides information on how likely you're to be able to pay back a long-term loan, or even to be alive long enough to pay it back. And "insurance score" is based on increasingly deep insight into your lifestyle. It's only a matter of time before someone will have the bright idea to use "insurance score" as an input to credit score - and then, suddenly, you have social credit (sans the politics part).