Cute idea, but a bit too dystopian for me.
Even in games, you never go into the negative. You just settle on zero. But these asshats actually ruin your life if you try to continue on with your job, especially if you're high-ranked...
You'd think that, if you're a high-spec individual, you'll be highly respected. Instead, you're highly penalized, and almost assured to be trapped by the church by-design. Kinda hard to laugh off that sort of stuff.