Actions have consequences but I don't see any sort of "punishment" as being sensible in my community. Prisons are an economic liability so why would anyone prefer to house prisoners over just ejecting them from the community? When someone's bad behavior has resulted in their credit score being hammered to oblivion, they won't be permitted onto most people's property anyway because of the hazard they pose. It's a sort of exile from respectable society that can be earned back as long as restitution is made and their credit rating is restored accordingly.