Listen, in your society it would be a huge database with every citizen and a record of all the things he has ever bought with IOU? To which do certain government institutions have access?The company where the woman works can provide a certain amount of credits to be used on websites like Amazon, or elsewhere. It's a form of "IOU" (I Owe You), like money.
It already sounds good what I hear. You little dictator, just like me! I love how it sounds! "I Owe You"!
But still, you didn't solve my basic problem.
Let's get back, how are we going to pay in the park (not on a website) for cotton candy?
Also keep in mind that you already encounter difficulties with your system when it comes to simple problems. Dating is like between 1% and 5% of someone's life.
Are you sure you want to move on to what really matters?