Related: the recently released "Cloudmoney" by Brett Scott [0]. Serves as a lay-accessible and politically-neutral crash course on the modern banking system, as well as a polemic warning of the power intrinsic to centralized transaction surveillance, both from state-backed digital fiat, and the "FinTech" private sector. (The author wears his pro-cash bias on his sleeve, and does a reasonable job defending it.)

[0] https://www.goodreads.com/book/show/53239405-cloudmoney