There's a "diary entry" in this book that talks about how, when the triggering event occurred, our politicians and media had done such an effective job of setting Americans at odds with each other that there was not enough trust left between factions, and society by and large simply imploded. Doesn't require much in the way of science fiction's "willing suspension of disbelief" to accept the premise, I'm afraid.
I've often said over the last decade or so that money is a ficitional concept, based on nothing but the agreement to treat it as a valid form of exchange between consenting adults; a bunch of ones and zeroes in cyberspace, for most part. Our fiat currency, the US dollar, used to be backed by an actual "hard" asset, gold, but that was done away with around fifty years ago, so Gear's story about hackers taking down the banking system and destroying, first, the US, and later the world economy could happen at any time.
Do you have faith that your fearless leaders in the free world actually understand economics and could rapidly restore or rebuild our system without running roughshod over our liberties? Better read Gear's book to see how things could all end up in the crapper.
I've been reading Gear's books for decades, and this author hasn't disappointed yet.
Other series of note:
Way of the Spider
Donovan
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