It doesn’t. Cash has real value and is a form of commodity money in that it is counterfeit resistant pieces of paper. Why would you need a social score to pay with gold? You dont the gold has real value.
But where you would need a credit/social score is when you pay with currency ( a representation of value that has no value)
I am not proposing a cash system, I am proposing a currency system. The BIG problem with using BSV as a unit of account is that it has real value. We stopped using commodity money a long time ago and we will not be going back. Units of measure for value that have no value have WAY more utility than a unit for the measure of value that contains value.