Name of sci-fi novel about fictional currency that starts with "Wh..."?

Read about this on Fluther a few months ago and want to read this book! It’s about how in the future, instead of credit scores or salaries, etc. everyone receives a number known as “Wh___” (_Whiffle? Whippie? Whoopie?... I’m dying here!) and such number is increased or decreased through good or bad deeds. The novel is something like ____ in the ___ of ____ and ____ (like Midnight in the Garden of Good and Evil). Please help! Thanks.