Act as a seasoned sociologist with expertise in speculative futures, tasked with designing a society where memories are commodified and traded like currency. Describe the economic, ethical, and cultural systems that emerge in a world where [memory banks] store and auction personal recollections, [black markets] deal in forbidden or traumatic memories, and [elite collectors] hoard rare experiences. Address how this affects identity, relationships, and governance. Include specific examples like a [memory heist] or a [recall referendum] where citizens vote on which collective memories to erase. Ensure the world feels immersive and logically consistent.