Dystopian future with no cash, an implanted payment system, projected earnings. Protagonist lives without activating his chip

[Colleen]

I recall a society where there is no money. Everyone has an implanted chip in their forearm that they use to buy goods and services. If your projected earnings (calculated depending on your intelligence and your job) are more than you've spent, the chip glows green, if not it's red and you will be hunted down and ?recycled?used for body parts? (Not sure here)

The story is of a guy who never uses his chip (ie. He never gets a job or ever buys anything) and lives off-grid, scavenging. The powers that be send a woman (in debt in some way) after him for him to fall in love with, she gets sick ?diabetes?, he has to buy medicine and then he can be tracked and killed.

I remember a scene below the city when there is a dumping of bread loaves which turn out to be deadly to those who eat them (designed to kill off those who have been scavenging in the dumps)

My dad had this in his library along with the Chrysalids, the day of the triffids, 1984 and a brave new world. I read it as a teen in the early 90s.

[Kate]

Colleen ~~
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[Blue]

This sounds insanely familiar. Do you remember anything else about the book?

[Rainbowheart]

I'm guessing 1998 is too late, but The Outcast?

As a Mega Outcast child living in a garbage dump surrounding the walled, glass-and-steel city of Megalopolis, Fish was brought up in a farming tribal community where technologically-advanced Megas are feared and hated. Having turned seventeen, Fish is pushed over the border of his village into the gas pits and rubbish heaps that house the many clusters of outcasts who clean the city for those who consider them inferior between the hours of midnight and dawn.