The way I understand this social credit system, it is trying to emulate at a scale of a one billion population the social control you had in a small XVIII century village. Basically what forces you to behave is not so much the law than the fear of contempt from your peers, which could impact every aspect of your life.
And I can't help thinking that while it may be efficient at forcing people to not behave like a jerk, it will also have the same effect than for a XVIII century village: a high degree of conformism, that supresses any evolution or innovation. It may be the desired effect by the current rulers, preventing any political challenge. But I think it will also lead to an inexorable decline of the Chinese society.
It doesn't force people to not behave like a jerk, it could just as easily lead to a nation of jerks. It forces people to strictly act within a tiny zone at the center of the Overton window[0]. At scale, it means that natural ideological progress will significantly slow down.
Any ideas or actions outside the norm will be culled. It's a move to homogenise the masses and allow the party to more easily set the general direction of 'desired' behaviours. This is pretty clearly the goal first and foremost. Stopping people from being jerks is just the marketing label.
The set of measures used to determine social credit will change over the next two decades and will become an ever tighter definition of what the party wants its citizens to be. The current criteria are just the entrée that was determined to be palatable to the masses.
And I can't help thinking that while it may be efficient at forcing people to not behave like a jerk, it will also have the same effect than for a XVIII century village: a high degree of conformism, that supresses any evolution or innovation. It may be the desired effect by the current rulers, preventing any political challenge. But I think it will also lead to an inexorable decline of the Chinese society.