Although I think I understand where you are coming from, it is quite clear that you haven't thought it through.

The point is: who gets to set the "social credit" guidelines. If everyone agreed on the same values, then it might work. That will never be the case! Instead, a simple majority would be able dictate its morals onto the rest, with zero protection for minorities. Not my understanding of a vibrant democracy. The only "social credit" system that works is having a set of laws (as we do) and that already has many issues. To broaden that to include general behaviour is the ultimate dystopia which I will fight against in any way I can.