On the topic of social credit, I wonder if credit inequality bothers you more. Markets chase after desirable customers who are economically active. The super-rich with yachts aren't affecting me, because they're away being fleeced in Monte Carlo and not competing with me for the basic peasant stuff that I want. But the desirable customers/tenants/employees, who might have debts, and less money than me, but have great prospects and a drive to keeping moving up and circulating cash, and who tick boxes as reliable and enhance the general tone of the business or area and help promote it - those are monsters.