Your last paragraph is actually an idea fleshed out / minor plot point in a Neal Stephenson novel.
The Diamond Age was another Cyberpunk thriller. It and Snowcrash were fairly tight novels without endless tangents and I think I like them best of his novels I've read.
Fall Or Dodge In Hell is the book referenced and it's a loose sequel to REAMDE. (Which is a really fun techno-thriller novel that explores what happens when ransomeware locks up some very bad people's computers.)
Cryptonomicon is a fantastic fictionalization of Alan Turing and breaking the enigma code combined with a cool story about what encryption can do in the future.
Snowcrash is probably his most famous and is very cyberpunk and awesome. (Not my favorite of his though.)