I would say yes. The only time you don’t is when I already agree with you, but that’s because I (hopefully) already know the good argument.
I don’t believe in “common sense”, that’s just the biases someone already has. Some of them correct, some of them not, all unchecked therefore all invalid as a basis for anything.
The sadder thing is that Chinese social credit hasn’t actually even been implemented, and doesn’t seem like it’s going to. There are only limited local experiments, most of which are allegedly largely irrelevant.
Whereas there are multiple credit score companies currently tracking literally everyone who has a bank account.