The reviews are obviously polarized for this book, so I'll do what I can to give a bit of guidance from my perspective. The book features a single idea, developed superficially yet at great length. The story props up the idea but is predictable and uninteresting, featuring data dumps and flat characters. The science is mostly missing, and silly when it appears (avatars! elevator tubes! phone implants!)
If you like idea stories and are not particularly interested in plots, characters, or writing style, then it might work for you. For instance, if you like Jack McDevitt, late-series Asimov (e.g., Prelude to Foundation), or Geoffrey Landis then you might tolerate it. To be sure, they are all much better writers, but are not masters of character or style. (I suppose that's why the authors here are compared to Heinlein, but I expect Heinlein would have a short story of this one.)
However, if you want a compelling *story* or stylistic writing, I expect you will hate it. China Mieville comes to mind as someone at the polar end of the writing spectrum: chock full of ideas, sometimes maddening, but a beautiful stylist and never plodding.
Here's a simple excerpt (from p. 60) that pretty much shows every problem in a single paragraph: "Justin, the odds of the 'crash' event as you describe it are 349,120,004 to one. You have a better chance of winning the lottery ... three times in a row."
Points: (1) this comes from an exchange that does nothing to advance either the plot or the characters. (2) how can a device (who is the speaker here) communicate quotation marks ("'crash'") and why is that even necessary? (read Strunk and White) (3) why does the lottery still exist in this future? or does it? why does it matter? (4) most seriously: the cube root of the number here is approximately 704, meaning that the odds against winning the lottery *once* would be 704:1. What kind of lottery is that? If the authors make such a silly error in probability, and then put the words in the mouth of a computer, why should they be trusted to say anything interesting about science? Or about finance and the stock market?
After 73 pages (only *two* long and slow chapters!), I abandoned it as a waste of my time and will donate it to a community rummage sale. As others have said, the plot line and its resolution seem extremely predictable. Even if a surprise were in store, which I doubt, I don't care enough about either the idea or the characters to wade through the remaining 400 pages.
In short, if you like SF with hard science, plot action, or stylistic writing, skip it. OTOH, if you like yarns that expound an interesting idea at length, it might work for you.
Finally, a recommendation: if you'd like to read a series featuring economic plots and better science at a similar future time horizon, try David Louis Edelman's Jump 225 trilogy
Infoquake (Jump 225 Trilogy). Edelman packs in many more ideas that develop in more interesting ways, and a good plot line.