This was similar to my take. What's dystopian about how the Chinese system was/is/was rumored to be was that it was the government doing the tracking and scoring.

Which ends up harsher than what private entities do as a form of moralistic restrictions than are dubiously related to one's ability to pay back loans. I don't see how barring one from using long distance travel is going to help them better pay back loans beyond punitive punishment.

at this point, "doing that" is called having a "CRM" system.

it's all part of how there's widely available social media technology and academic graph languages.

of course the government is going to track the citizens, it's all a matter of how, how much, and to what end.

The wave of CRM is CDP. Customer Data Platform. The key is that it isn't just your basic account data, but all the behavioral data across various system interactions both online and off (if applicable). Shopping Cart abandonment email campaigns are pretty benign. But the outrage around the targeted ad for baby/pregnancy products that made the news from Target a few years ago is just the start for what more insightful data signals can give you. I don't really care about most retailers knowing what I buy. I do care about them reselling that data to big aggregators that know everything I buy, where I go and when, and join that what sites I visit and what mail I get. It is too much and can be abused.