This article reminds me of those silly "Capitalism is the real super intelligent AI" or "is a burrito a sandwich" arguments from a few years ago. Saying a "system with the explicit goal of the government judging legal behavior to try and change it and punish you if you don't" is the same thing as "private entities deciding on how or even if they want to interact with you" is just stretching the definition too far to be taken seriously. By that argument me deciding I don't want to read more by this author is a social credit system.

>Your Uber rating doesn't affect your mortgage rate, and your LinkedIn engagement doesn't determine your insurance premiums. But the infrastructure is being built to connect these systems. We're building the technical and cultural foundations that could eventually create comprehensive social credit systems.

She doesn't provide any citation for this

> Corporate platforms increasingly share reputation data. Financial services integrate social media analysis into lending decisions

Again she doesn't provide any citation for this, but more importantly she doesn't explain why she thinks it's wrong. Someone who posts "Feeling lucky so headed to the craps table" probably shouldn't be lent to, if only for their sake