"So I have to crack open my skull just to dodge some taxes?"
"Not exactly, you know that Paradise Group provides services for the dead, right? Some folks can't afford Rebirth, and some rich guys would rather not Rebirth, opting to hide in a virtual Paradise to evade taxes. They're without 'bodies,' just 'accounts'."
To determine which 'Paradise' suits a client, the customer service starts by creating a model based on brain scans, artificial digital life, and runs simulation tests. Essentially, this is the rudimentary form of artificial intelligence, so such digital life is strictly limited in computing power and longevity, ready to be destroyed at any time.
You could spend a little money for Paradise to generate an illegal personality AI for you, create a specialized encryption drive for backup and authentication, and sneak it into their channels through a custom private network to connect to QVN, thus passing the end-of-month account audit."
"Wow, that works?"