As a society, we put up with a lot of terrible behavior and people get away with it because they don't care about making a scene or situation that is uncomfortable for everyone else. We pay higher prices to deal with these people's behavior: constantly complaining until they get free stuff, abusing return policies, review blackmail, vandalizing state/national parks, cutting lines, etc.

You're right though that we need very strong guarantees around the sources and accuracy of such a metric.

Don't worry - I was told they are optional, and you only need them for major things like if you getting a new car or house financed. Anyone worried about these things were mocked with the slippery slope "fallacy" typically being the counterargument.

Of course scope creep inevitably happened - and now you are effectively locked out of many parts of society if you have a poor credit score. We were told it was outright illegal to use credit scores when hiring people (again, 25 years ago) so our fears were unjustified.

Now we're running credit reports on entry level warehouse positions, some volunteer jobs, etc. With every reason to believe it's going to get more pervasive.

As these "social rating" systems get more normalized with consumers, I fully expect to see "novel" new uses and data sharing starting to happen.