China's social credit system allegedly assigns (or will assign?) all citizens scores and punishes them for social wrongdoings. The IRS has always been tasked with auditing and catching tax cheats, the Treasury always went after people who violate economic sanctions. What's the similarity other than data collection?
You start with the little. Due to complexity and sheer amounts of laws, bylaws etc. each one of us breaks few of those every day. The systems like the one being mentioned will eventually be able to track those as well making every citizen an offender. Then when the time comes who do you thing they will choose to prosecute? Most likely those pesky human rights advocates and other similar people who are already monitored.
I think unless some "Reset" button is pushed we will end up exactly like this. End up on various lists (already happening) and private companies denying vital services.
Wasn't there some kerfuffle a few years ago about "special attention" being given to political targets?
(Cue Richelieu's "six lines")
In the west these things aren't public so it isn't the government grading you - but you still are very much being graded by private corporations. Since we have no idea what they're actually using to grade us we can't confidently say they aren't using any "social misbehavior" we'd find offensive.
If these programs were run by the government we could file FOIA requests - but with private organizations we're S.O.L.
If you want a taste of low social credit score in the US life, consider the status of a convicted felon, or a status of a sex offender.
Is it possible to do any of those things without money?