>Citizens with low social credit would also be prohibited from enrolling their children at high-paying private schools

This is what leads to a sort of caste system, Because the children of people with bad social credit cannot go to good schools, they are stuck in a perpetual cycle of bad social circles which leads to bad social credit and poverty.

This just leads to a cycle of poverty and discrimination without any opportunity for people to redeem themselves.

Also reminds me of a Black mirror episode on social credit.