Swap the word "credits" for money and you have our current system.
No need to create a tyrannical government to force people to do deeds of arbitrary value for elderly people.
No need to create a tyrannical government to force people to do deeds of arbitrary value for elderly people.
A money market account is insured and the real return is 0%, so it's not as vulnerable as you seem to think.
You can call money a credit. Then you can assign credits to actions and create a moral police to assign credits to people who do these actions and enter those credits into a leger. And now you've recreated communist China. Congrats.