Just stating the obvious: when all money is digital, and we move to a Social Credit system, you will be constantly flashing your ID everywhere, and the machines will be deciding what you can and cannot do and where you can and cannot go. There will be no humans to help you. Your past purchases and past behaviors will limit your future choices.
It's obvious to me, but not to enough people. Some naively think our government is a benevolent enterprise that is looking out for us. No it ain't, and the social credit system is already in place, willingly implemented by facebook, google, some banks and paypal. Plus now we have TSA with their face recognition system, ready to implement it as the prelude to unleashing it on the mass public, at which time it will be equivalent to the Chinese system. If you think this isn't being planned by the social engineers behind the democrat party, then send me 10 million Swiss Franks and I'll give you the key to a beautiful old bridge in Brooklyn.