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Then you found yourself someone lacking virtue.
You also want "Social Credit" whereas that means nothing to me.

"It is no measure of health to be well adjusted to a profoundly sick society." -Krishnamurti

I'm inclined to believe them, since I've experienced a similar phenomenon myself.

Believe who and what?

When other people tell me that they told me the same thing I think I'm telling them, about six months ago.

Same.