SneerClub

A begruntled Culture citizen entasked with a seemingly straight-forward matter in a coincidentally-very-earth-like civ where capitalism reigns supreme in all the worst ways. A society on the brink of collapse due to leapfrogging technological advancements while ignoring, and possibly suppressing, the societal changes this necessitates, benefitting only those already in power. Not-entirely-clear motivations of unseen Culture Minds, presumably plotting beyond what is apparent to our protagonist. Getting to re-evaluate this strange society by experiencing first its thrills, then slowly but surely its horrors through the eyes of that protagonist, whose view of the world and themselves can never be the same afterwards.

All the while, a member of this fledgling society, finding themselves aboard the Culture vessel "I'm sorry, I thought there was still money on that card; here, try this one", a state-of-the-art ~~warship~~nope we don't do those, a state-of-the-art Very Fast Picket, earth-bound with engines pushing their limits, is motivated by the fleeting hope of maybe, just maybe, getting there in time to share a crucial piece of information with the protagonist, but - oh, too late. This storyline lead nowhere, and you are still glad to have read it, for the possibly best parts of the book where the witty ship-banter that had you laughing with tears.

Oh we also end the book with the cold-blooded murder of a ~~Bezos~~Musk look-alike at the hands of SC, and thanks to the book you are left with the clear impression that in the grand schemes of things, this was not simply necessary, it was just.

....something like that?