We’re starting to have braincells grown in labs used as processors for computers. Ukraine is coated in internet cables used in the control of tiny killer drones. The government knows so much about you that it practically knows nothing about you because it cannot handle all the data. A message on a website by someone pretending to be a company can kill the stock value of said company - for a day, until someone somewhere types in an extra zero on the right account.

A tiny piece of plastic carries your life’s worth and if you don’t use it then you will never be able to owe someone money for a house. The most powerful men in the world regularly appear on public entertainment systems in order to sell “crypto-coin” a version of money thats even further detached from what gives it value, the only purpose of which seems to be to purchase drugs, illegal pornography, order murders, launder money or to function as a scam. It is in fact expected of the seller of cryptocurrency that they artificially inflate its’ value.

Modern day heists involve replicating other peoples phones in order to access “bit coin wallets”.

Your phone knows your name.
It shares it with all the devices that are in your apartment.

Yesteryears devices are gathered in massive heaps in less wealthy countries, where young kids scrap them for precious metals. The more knowledgeable of them will refurbish electronics into Frankensteined devices more powerful than what the average Western consumer has, either because it is not shackled with the same spyware or because computer parts have increased in price while the quality has remained the same, at best.

When the hoi polloi are stuck at home hiding away from dangerous weather - Hurricanes, blizzards, tornadoes or evermore frequent firstorms - they can use their phone to have a less fortunate soul bring them food, snacks or regular groceries. This luxury can be paid for through various loan services.
Your phone knows you gave it a fake name.

I could go on, but im becoming cliché. Still, I “love” to think about how cyberpunk the world is.