Did anyone else reading the headline expect some equivalent to "In Soviet Russia ..."?

The article is a bit more informative than I was expecting but I have one quibble. The sentence "In the West, our credit score is simple. It’s our ability to pay." is incorrect. Our credit score is actually our propensity to pay (and ability to pay is just one facet of that propensity). I know plenty of wealthy people with poor credit scores - some because they're poor at managing their money but there are a surprising number who simply want to hold onto their wealth (and don't care how their credit score is affected).