This sounds horrible, but the "Real Name" movement for online services (such as Facebook) is an equally insidious American version. When a "real name" service becomes a financial services company, we have a merging of social metadata and a conventional credit score.

It does not start out as a dystopian vision. Why should Facebook charge advertisers money to show ads to people with a 400 credit score? The yield of many ads is improved when you have hard demographic and behavioral data as an additional filter.

What's the difference between an Uber Pool rider getting a ride with other similarly-rated riders? Why should I with a near 5 star rating have to risk sitting in a pool with someone who has a 3.2 star rating? I certainly don't want to.