Look down the road a bit.

This is the "social credit system" for western nations forming. I only know how this works in the US, so I'm concentrating on it.

Firms like this that succeed will be bought out and rolled in to the existing credit firms as new dimensions. (They already track much more than your credit use - google "experian data services", and substitute the other two in as well.)

It is private, so in the US there is little regulation to worry about. And the third-party doctrine means no warrants are required for LEO access.

Can you smell the freedom yet?