A person with no credit or a low credit score is still allowed to buy train tickets and leave their hometown. A person with high credit score is not punished in any way for interacting with a person with a low credit score. Credit scores in the United States do not incentivize families cutting off contact with members who do not support the ruling party. To say that "they are essentially the same" is to run cover for the most objectionable parts because you are mad that creditors want a way to determine if someone is going to cut and run with their money.
The government is allowed to 'unbank' you, or to at least push banks to 'voluntarily' 'unbank' you. Having your bank accounts closed and credit cards all canceled summarily is going to hurt your credit score, which in turn is going to make renting a place to live very difficult.
Could you provide an example of the government pushing for someone to be unbanked? Preferably someone not guilty of some kind of finance crime (or accused and on the run).
