Earlier quoted context omitted.
How do credit bureaus "enforce morality"? I think the point is that the effect of a bad credit rating is much more limited than a universal blackout on the internet. In fact strictly more limited, to the extent that many creditors rely on social media in making their decisions.
I strongly disagree. Bad credit (sometimes even wrongly attributed) can block you from jobs, mobile plans, bank accounts, credit/debit cards, renting, etc. I'd rather be blocked from Facebook than be told I can't rent an apartment or be disqualified from a job.
My point: They can "check" all they like. In many places, various personal background issues are protected by labour laws.
Also, your post makes it sounds like being denied a rental apartment contract is unreasonable for someone with poor credit history. Would you rent to that person? Again: Some jurisdictions do not allow credit checks or do not allow /discrimination/ due to credit checks when renting.