It is interesting that you pointed the west hypocrisy. We literally have a score system based on money. If I fail to pay a bill I may disgrace my financial score forever and suffer the consequences of not being able to take credit when credit is needed.
We need to take the criticism against China and apply it in our society. The argument the bankers have in favor of the financial score system is messed up and specially evil for the poorer people which may become poorer for not having credit.
No job? Lower score. Missed a bill? Lower score. No house? Lower score. Low score? Can't afford a house thus can't live near a good job thus can't pay the bills.
Totally agree. We are so used to it, that we don´t even see how malicous this system in fact is! It just guarantees that the poor stay poor and the rich get richer.