Imagine if banks checked your reddit karma to approve you for loans

Oh, and reddit in this scenario is controlled by the government

Social credit can literally ruin your life in China if it's not high enough. You'll get passed over for jobs, housing, schools, and other things you need to get ahead. It doesn't even have to be your score that's low. There's a Chinese kid who got denied from going to the college of his dreams because his father's social credit score was low.