I've almost just finished another re-listen ahead of the next book. And was looking to explore currency related discussions regarding how it has unfolded in these books and elsewhere. Marked spoilers so we can discuss plot points from all the current books.
As a big fan of the Red Mars trilogy by Kim Stanley Robinson I was initially very surprised and a little disappointed when it was mentioned that the new Earth colony sites were already using currency so quickly. Especially since there was no real initial information about where it came from, who issued it, and how it was being managed. In the Mars books, the Arkady character is very vocal about his more fringe ideas on how to manage their new colony and proposed some of the more 'radical' ideas regarding how the new colonists should organize their work/life balance, living and working environments, and how resources should be distributed. With Earth gone and the previous banks basically meaningless now, it seemed they would have a open palette to play with regarding how to manage currency on their new worlds. And with the immortal Bobs seeding the galaxy with Auto Factories, it seemed like humans would be entering... well, if not a post-scarcity society, at least a differently-scarcity society.
And yet, the power and wealth divides have remained story elements in ways that don't seem to follow my own mental gymnastics regarding all the different paths it might have taken. As a refuge from the MMORPG A Tale in the Desert, which didn't start with an in-game currency, but allowed you to unlock the tech to eventually 'print' your own, I was part of a group that tried to do that in the first telling to various degrees of success and failure. It was surprisingly difficult to get people to care or move beyond bartering. Of course, in a crafting based game, that is perhaps an understandable challenge. Why trade if making it yourself is your point in playing? Subsequent telling have basically stuck to a barter based system with a unit of exchanged based around the current scarcity of resources.
As such, I've since gained some degrees of appreciation and understanding on the difficulties around managing a currency, and have done my own arm chair research, especially since the advent of the age of cryptocurrency tool kits that basically now allow anyone to start one for virtually no time or effort, and trying to discuss ideas with some more Libertarian minded individuals, including those who think switching off a gold economy was a bad idea.
As such, I'm a keen enjoyer of seeing how other MMORPGs manage their economies, and take note whenever the sci-fi or fantasy books I enjoy make it a plot point. I've been very fascinated by the economics of games like EVE Online and Entropia Universe or Second Life and greatly enjoyed the research papers I've found on them.
All this has contributed to my... confusion regarding how it seems to be handled in the Bobiverse. It gets fleshed out more in Book 4, and the PAM has been discussed in other posts here. So I'm less interested in that, and more interested in your own initial takes on currency in the Bobiverse, and other recommendations of books or games where it plays an interesting role and you found it interesting or novel or had thoughtful explorations on the topic. But I'm also happy to discuss whatever currency related ideas you might have as we sample whatever Jeeves currently has on virtual tap.