I can get money from almost anybody who's willing to give it to me for any reason, the government's influence and visibility into this are limited. I can earn money in some other currency/jurisdiction and convert it, too. Agree the US credit bureaus are problematic (they are not a "Western" thing, they're an American thing), but they're nothing like the social credit score.
With China's social credit score there's one number in a database which the government can adjust as they see fit, if they decide to penalize you, you're no longer able to participate in a vast array of social services and functions. It is total control and you become a pariah overnight.
This comment was whataboutism, I guess. https://en.wikipedia.org/wiki/Whataboutism
