The sort of Shadowrun/Snow Crash/ancap future you're talking about is what Cory Doctorow is calling technofeudalism[0]: one in which the primary driver of economic activity reverts to passive income scams[1] instead of active economic activity.
[0] https://pluralistic.net/2023/07/24/rent-to-pwn/
[1] Economists call these "rents", even though they're more general than just rent paid to borrow some real property