What a brilliant book, especially for a first novel. The speculative extrapolation of the future of money and society is well observed and it seems incredible it was written in 2003. This future values respect and your standing is your value, so if you do things people like your 'credit' rises. This is how the narrator finds himself living in Disney World and re imagining the classic rides with his friend Dan and girlfriend Lil.
Although futuristic the book has the attributes of a novel in regard o character development. Superb and well worth reading.