They’re appropriating China’s Sesame Credit system. It ranks each person per the Communist ideal from purchasing habits to criminal behavior to not tweeting government propaganda enough.
No, that's FACEBOOK and TWITTER. Apple is not doing that at all. Read my explanation above about what Apple is doing. Apple is not rating PERSONS for anything at all. They aren't even looking at purchasing habits for this. . . although they might be in the iTunes Store because someone who consistently buys Classical music is not suddenly going to buy hundreds of HipHop tracks. That would likely be a huge red flag for fraud.
Read the article again and pay attention to what Apple said, not what some bozo is saying they are doing. Apple is taking a snapshot of the DEVICE, not the user. They could not care less what the user is doing. It's whether the device is the same device as the user was using the last time or not that's important. If it's not, then there's a stronger likelihood that a scam is being played and a fraudulent purchase is being attempted using the owner of the account's online ACTIVE credit card.