With no regard for how safe she feels being approached by someone with no social credits.

Meaning if I know someone and they can vouch for the person I'm meeting then I don't have to be as leery. It's not at all the same as meeting someone who is a complete stranger to me.

Same with someone I've met through work or school. I know something about them after engaging in conversations or projects together.

I've perfected my rbf. And I've never had a problem meeting someone, if I wanted to.