I'm not religious, but I believe a lot of recognition of human nature was written into the Bible, and much of what's called "prophesy" in it is based on that.
So with that in mind, think about the "mark of the beast" prophesy, but modern.
Take a look at this thread.
archive.is/0hehy
(There's more.)
Now Mastercard is doing the same thing through aggregates like Patreon & Paypal. They've done this over guns, too.
We're all subject to this. There is no opt-out. Having no score is as bad as having one that is low.
By the way, that company markets its services to U.S. citizens, too.
And it's all recorded.
theverge.com/2018/12/20/181…
nbcnews.com/tech/tech-news…