because the swatters are going to be willing to take advantage of it. some fake emails and chat gpt and a good person is buried. one report from the good guy about the swatter will get lost in the noise. you really believe that everything on the internet is true?
in what world is the social credit score capitalistic in your mind? This would be defining reasons to NOT do business with people based on completely subjective non-market related items. people you have probably had absolutely no interactions with; judged and sentenced by the court of the masses. As a business owner your choices will be artificially limited based on what is acceptable to society, not to you personally. you really think this system would allow gun shop owners, going back to WF, a fair shake on the market? How many LGs will be out there doxxing them as accomplices to murder, even if you wanted to do business with them you wouldn't be able to as you would be guilty by association and doom your own score.
i see the social credit score as far far more damaging to individual freedoms than any benefit it could have. forcing people to comply with the group think or get doxxed is not "freedom". it will define the one acceptable path everyone will have to take. and it will be society who determines what path the individual takes, not the individual themselves. it will be organized online bullying with huge financial ramifications. you are dooming any possibility of people just being themselves, and if anything you are just further cementing the divide as people will have no choice but to only hang out with like minded people. it will create second and third class citizens who will be denied services for things they probably never did, or things that certainly aren't crimes.
if looking people up is so important to you, those tools already exist. you aren't being denied your own research. google will already turn up way too much. hire a private detective, you can look up tax records and tons of public information already like any businesses owned and criminal records.
one upset girlfriend, or even one that wanted to be your girlfriend, and ex-employee, and ex boss, someone you didn't hold the door for; anybody with the slightest bit of grief is going to be able to get you on black lists for a lot of places with a bad review. Calling that freedom is beyond Orwellian.