Only the "malcontents" would do it. They would not have to audit they just create the list of malcontents and it drops their social credit score. It can be done automatically, 2 points per transfer. Not a big deal for if just paying mortgage, bigger deal as it accrues, lose the right to travel or buy groceries, etc.
I’m in! I also have family members with accounts I regularly transfer funds or they transfer funds to my account. In stead of the $104/month I transfer to one of their accounts, I could transfer $704 and ask them to transfer back $604. I could do something similar with others. Sounds like an interesting experiment. Let’s Go Brandon!