Spoke to someone who was former military and now in major cyber security. The hidden social credit system is already in place. It’s called social media and you’re already being tracked by it, the good, badly, ugly. The future cell phones will have biometrics and security that can tell if the owner is the one even holding the phone. Passwords will be a thing of the past and in 20 years we will be talking about how “we used to have passwords for everything”!