Perhaps the most extraordinary claim of all in the annals of hackerdom is the idea that these people get paid in electronic currency to break the laws of society and change electronic records. The extremity of this claim is quite apparent: people are breaking the rules of society to change data records in exchange for being gifted with data records that according to the rules of society entitle them to goods and services. Why not eliminate the middle man and just hack the money records directly? The fact that people in the Shadowrun universe don't is highly indicative that they can't. And the reason for this is primarily because the monetary records themselves are very far away.
Electronic Nuyen: The Ledger in the Sky
“It is the finding of the Corporate Court that the creation of a unified currency that is itself immune to the damaging effects of speculation and devaluation is an essential pillar upon which the global economy must be placed.”
Electronic money can exist in a world where people can force the changing of electronic data from a distance by impressing it with high density signal because it's actually really simple: it's just a number. That means all transactions of electronic money can be done entirely with low density signal. There's nothing complicated enough going on to actually need any of the fancy processing that Shadowrun era signaling can do, and so it lies within the capacity of those maintaining the money to block out all high density signals and still conduct business. To hack the money supply with traditional methods would thus require one to get inside the barriers and thus be on site. Considering that the money is “kept” in servers that are extremely inaccessible, this rarely happens.
The biggest reservoir of money is a series of servers maintained in Zürich Orbital, a space station which passes over the Earth at nearly 2,000 kilometers above the seas. The “money” is a series of account numbers with money amounts on servers that sit inside this well fortified bunker floating continuously in space. These servers are connected through low density signal cable to retransmitters attached to powerful receivers on the outside of signal shell. The externally available computers don't hold any account information, encryption keys, or passwords, they literally just retransmit heavily encrypted (and short) data bursts into and out of the internal server farm through a signal bottleneck. Thus ideally there is nothing whatever that an external hacker could hack that would mean anything.
Now this doesn't mean that the enterprising hacker can't steal money, just that they have to steal it from a specific account by getting a hold of an actual credstick or commlink and hack them to authorize the transfer of funds. However this is understandably dangerous, because doing so still leaves a trail of money transfers on the hidden servers that the hacker is probably in no position to do anything about. It is for this reason, that fraud of this sort is mostly confined to spending sprees on relatively untraceable goods and services rather than actually getting the money into one's own credit line. And thus we get back to the question of eliminating the middle man: it is often plain easier and safer to just hack a carpet supply warehouse to think that it should deliver you some sweet rug than it is to hack a stolen credstick to transfer money to the carpet supply warehouse and “purchase” the same rug with money that may well be flagged as illegit in days, hours, or even seconds. For this reason, personal credsticks are often left to lie by hardened criminals.
- Equipment Spotlight: Cash
Cash is generally avoided as a medium of exchange by corporations and wage slaves alike because it is essentially untraceable. Very large piles of cash are viewed with suspicion even by shady people. The general feeling even amongst criminals is that anyone who could steal themselves a very large amount of money should be able to get themselves together to get an off-shore bank account like a respectable gangster, and that anyone who isn't a criminal should also have a bank account rather than piles of bills that could be so easily stolen or misplaced.
Other Currencies: ¥, $, €
ZO is not the only game in town, but the others aren't super different. The Malaysian Independent Bank operates an island fortress where they keep all the records, and while it's not actually “in space” it might as well be as far as most people are concerned. The European Economic Commission operates the Euro rather than the ¥, but its account server vault at the bottom of a mineshaft is not especially easy to crack into either. Aztlan's secret bank is so secret that they don't even tell people what is protecting the Peso accounts, but it's presumably pretty intense because all legends of people hacking that particular server are vague and unlikely.
Debits and Credits: Debt Slavery and the Credit Spiral
“Work your fingers to the bone and what do you get? Bony fingers!”
An interesting thing that happens in Shadowrun is that despite the fact that the characters are getting a brand new identity several times a month in some cases, they still feel the need to work for a living. And that's actually somewhat odd when you think about it in terms of modern finances. See in 2008 “you” can borrow fairly substantial sums of money at any time at merely ruinous interest with no collateral. The threat of destroying the credit rating of your identity is considered sufficient of a stick to make these short term loan sharking operations solvent. In 2008, identity fraud comes with a certain amount of cash money automatically. Simply by virtue of trading the credit rating in for cash advances on loans that one has no intention of repaying, someone who is already committing the crime of fraud on their identity can gain a steady income from sketchy banks and loan houses until one is caught for the first offense.
And yet, in Shadowrun that manifestly doesn't happen, because the characters are perjuring their identities again and again and they are paying money for the privilege instead of vice versa. What does this mean? It means that the credit system in Shadowrun is somehow set up so that taking a loan with an identity that is going to cease to exist long before the first payment comes due is not a no brainer. In fact, it seems that taking a loan is itself so onerous that characters just are not doing it at all – even though the campaign only takes place over a short period of the character's life and thus can be looked at as being in the disposable ID situation even if the character is a SINner. See, the campaign is likely going to end in a year of the character's life, so anything she ever has to repay at any interest in 13 months is just flavor text in any “real” sense. And yet, players just don't take loans. They spend money that they have already earned rather than drawing on the reserves of a speculative future to gain monetary advantages during the actual game.
The primary reason for this is probably linked directly to the reason that people call corp workers “wage slaves.” See, when you take a loan in 2071 you don't just get a pile of money that you are expected to pay back. You actually sign up for employment and the corp gives you an advance on your wages. Wage slaves literally are slaves. Or indentured servants. Or whatever. They work for nothing except food and board, occasionally having the number of required work hours they are required to put in go up. And that's why player characters don't usually take loans – they would actually have to show up for work in order to get the money. Which is really just like their current job as freelance mercenaries except less awesome.
- Equipment Spotlight: The Credstick
Credsticks are much less common in 2071 than they were in 2050, when literally everyone had one (or more). This is because commlinks now do much of the work that Credsticks used to do. But one is entitled to wonder what exact “it” is. The answer is that a Credstick carries a symmetric encryption key that is otherwise held only by part of a secret bank server somewhere on an island or in space. Each credstick sends a set of encoded low density signals to the bank that authorize the bank to move a certain amount of money from one account to another. And because no one actually knows exactlywhat your credstick is saying to the bank (without hacking the credstick), EUE (Effectively Unbreakable Encryption) is maintained as long as no one breaks into the credstick itself. Lower quality credsticks simply send the signal through a stick reader and hope that it can pass through the Matrix to the bank so that the money transfer will get authorized. Higher quality credsticks (with names like “Platinum” and “Ebony”) are able to send the information directly to the bank themselves and are able to transfer money whether there is a stick reader on hand or not. Most credsticks have some sort of system by which to verify that the right person is actually authorizing transfers of funds. Passcodes, retina scans, and even blood samples are used by various credsticks. Some credsticks send portions of the data from their activation to the bank itself as part of money transfer, while others merely require it as a check before they send the encrypted request. A “certified” credstick is actually the least secure of all – the stick doesn't correspond to any specific real person, the account is just a number associated with a credstick. So anyone can hand the certified stick to another person and that person can trade that money as if they were the original stick holder. In modern times, people quite often make use of credit modules in their commlinks. This works pretty much the same, except that the range of finding a matrix connection that is capable of reaching the (doubtless distant) secure bank servers is much greater.
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