Doctorow's book is “For The Win” (if I'm not mistaken—really need to get into the habit of writing some notes about the books I read, especially when marathoning through an author's bibliography).
Stephenson's book is “Reamde”, which is a weird, even for him, mix of realistic-sci-fi-about-computers with an adventure thriller.
I think I also found some articles about actual size of virtual economies and the use of them by crime. But those likely went into the Pile To Read, which is a rather sad fate in my case and the hope is thin.
