Human societies are so run by the bankers that unless a citizen is up to their neck in debt obligations, they are not considered to have a high credit rating!

人类社会就是被银行家们如此运作着，以至于一个公民直到被债务埋到了脖子，他们才会考虑增加信用等级。

youdao

Moreover, societies generally lack credit morals and consciousness, the real social credit relationship is very poor.

再者，社会普遍缺乏信用意识和信用道德规范。

youdao

The new rules apply only to banks, and don't include credit unions and building societies.

WSJ: U.K. Lowers Entry Barriers for New Banks

This means that these schemes do not have the same protection as savers with UK-registered banks, building societies and credit unions.

BBC: Peer-to-peer lending tempts hard-hit savers

She got rid of the cartel of building societies that had rationed the supply of credit to house-buyers in Britain.

WSJ: What Would Margaret Thatcher Do?