Don't forget the even more nebulous and secretive insurance scores that are even tied in to data brokers!
On the other hand, the Chinese "social credit" is mostly western fabulation. And what little implementation of that actually does exists is actually mostly used to track and punish corporations and governmental bodies.... So there's that.
3~5Gbps fiber is readily available in a lot of places. And some of us have internal networks with network attached storage and various servers running locally.
It's built on a , by now very modified and incompatible, Linux kernel. But not a GNU userland at all.