Kerr has found an excellent premise for this novel in the spread of a virus that makes blood the most valuable substance on earth but, as normal, he lets himself down by not being as clever as he thinks he is. The rest of the ideas aren't that clever and his 'exploration' of AI is pitiful.
He also ignores some significant points in his own situation that leave some rather odd plot holes. For instance, why does no-one invent a synthetic blood? Or even more obvious, why doesn't a person who has 'clean' blood donate enough to cure one other person on the understanding that they will also donate blood to 'clean' other people' thus forming the worlds best pyramid scam!
The last few chapters of the book are just crazy and the ending is deeply bizarre and unsatisfying. I didn't appreciate it at the time but the whole thing is a vast nod, to the point of plagarism, to 'The Moon Is a Harsh Mistress' by Robert Heinlein. even down to the one-armed man.
My advice: read the first half then write your own ending, Kerr's just won't do.