I propose two things...
1) Credchip be taken exclusively on Blue and all topside non-mallplex/bar locations with a notable 10% discount on credchip transactions.
* Corporate Citizens should be motivated to use credchips by giving them deals.
* Perhaps chyen exchanges become a common disease vector for topside residences?
2) Credchips be hackable by Deckers of a certain skill level and up.
* This would require a dedicated piece of hardware modified by an electro_tech
* Only 1/3 of a bank account would be able to be stolen. After which, the account would be locked down from any suspicious activity for 30-days.
* Store hardware for credchip can be tampered with to swipe small 100-1000c amounts off every transaction and any business owner would want to have there's reviewed on a weekly/monthly basis.
* This could also make paying attention to your store receipt to notice any missing income an important part of trading and maybe even something you'd notice with perception + trading.
The idea is to create a better workflow for Electro_techs, dips, and crackers to participate in topside crime.