However, the surest way to bring society to a halt, even if only briefly, is some event that takes down the bureaucracy's electronic systems, such as a massive solar flare
In VQF I went with a block-chain engine for identification, so even should Earth randomly fall into the sun and be incinerated, the rest of the solar system will continue to function without it.
The "ID" is a "bioprint" which is never fully defined in the series, but one story mentions that it has your DNA as a header/prefix and you can always message "down" to your next of kin even if they change their "phone number" using the DNA prefix (Obv this doesn't work across adoptions).
So if you're 45-light-minutes from Earth, you can instantly spend money from your bank account where you have access to lock your part of the block-chain rather than have to wait for a message to your bank to make the two-way trip (90 minutes is a long wait to buy a coffee)