I know the knee-jerk reaction to being rated by an agency just for living sounds bad but her me out. Right now we have a system that basically rewards miscreants. If you are a fuck up we have safety nets for you, so many second chances and help but if you are a good person that actually is a net positive on society you get jack shit. What a social score would allow is for those people, regardless of income, to be recognized for being a good human being that's trustworthy and not a shithead ready to rob you as soon as your back is turned. People should be rewarded for being good people, not just rehabilitated when they fail.