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This is how social credit works in China.

Now just wait until you find out that your savings will have an expiration date.

It'll be the straw that breaks the camel's back. There are already too many people seeking alternatives to not give govts anything. If banks decide to unite this hard to govts, there wont be any incentive to use bank stuff, even with massive incentives.

A declaration of war against THEM by humanity. Humanity is by our definition, not theirs.