I worked on a short story some years ago in which the solution to such editorial control of information was a novel crypto for each transaction, but that was before AI and the ease with which it would be able to detect any sort of accounting mechanism of financial value. Perhaps combining such with steganography might be able to slip past AI - but maybe not. Parsing data is what AI does.
My fallback position is independent comms, a network not owned by enemies determined to keep us impoverished, and able to be secured from seizure.
Thanks!
Edit: Such commercial network is necessary for financial portability. I don't transact remotely, for the most part, so local belly to belly transactions accounted in goodwill are what I depend on in the day to day. Such value simply is immune to seizure, dilution, taxation, or any kind of theft or fraud. It's also good for my immortal soul, because I have to do good to accrue goodwill. Who knows what kind of degeneracy I'd fall into if I weren't dependent on the goodwill of society for my every need?