China's social credit system, which becomes mandatory in 2020, aims to funnel all behavior into a credit score.
A few months ago, you accidentally defaulted on a phone bill. The mistake affects your credit score: It’s hard to get a loan. You can no longer make jokes about Marco Rubio on Twitter; such remarks will algorithmically define you as a libertarian loon—another sort of person likely to default on social obligations. After a couple of close friends miss their student loan repayments, you can’t even travel: your social circle is now all “discredited, unable to take a single step.”