The good aspect of Taler in comparison to WeChat Pay, is that is guarantees anonymity of the buyer among the anonymity set of all buyers at a given store. Contrary to the credit scoring paradigm, Taler will not let you down: your employer nor your insurance company won’t be able to tell what you buy, so they won’t be able to target you for tailored advertising, nor to change your contract based on the probabilities you have cancer.
The merchant though may be scored, but isn’t this something valuable for society to have corporations held socially responsible for paying their taxes on their actual revenue? This won’t like it, so it’s our responsibility to… make them pay.