There has to be money in the 23rd Century Federation, Cyrano Jones was trying to sell Tribbles on K-7.
Even in TNG the Federation as 'credits' they offer them to buy the Barzan Wormhole.
The DS9 Starfleet crew paid for drinks at Quark's somehow.
https://www.ex-astris-scientia.org/inconsistencies/economy.htm
In my head canon it's earth maybe some other planets that got rid of currency, not the entire Federation.
I think money still dominated the world. But it less important than today world. To an extend that you don't really need to work for money anymore. The reason is because the social service by the government has reach the level that can provide everyone with free services. And those services include daily necessity by using replicator, free one room apartment, and another basic services, like health, education, and mass transportation.
But that's not include Luxury Things. Like mansions, private owned vehicles that's including your private owning Starship, luxury foods that gotten from real farming. And the most important things are, the off planet imported goods. Like Romulan Ale, etc. And of course, entertainment service.
Well, entertainment service like Holodeck require quite a big room. And I'm sure that It use huge amount of energy to entertain you. So I don't believe that it has become a free service. Or, maybe even owned by individual persons freely in his own private one room apartment that he/she gotten for free from the government. Look at the Sisko. I doubt that they even have a holodeck room in their canteen house.
Just imagine, if everyone can own a room size holodeck by themselves. And they waste huge amount of energy (that they can get for free from the government to operate the Holodeck) just to enjoy porn everyday for their entire life.
I'm sure that even if The Federation Government can provide everyone with exclusive holodeck room for themselves, they (Federation Government) won't do that. Those people still need to whip their own ass, if they want holodeck service for themselves.
That's why, there are people who can live in a huge mansion with full high tech service like Chateau Picard, but at the same time there are also people who can only live in a small apartment, like Dahj Asha. Even the Sisko also live in their house canteen that basically not too luxurious. As Sisko still has to wash the dish manually, without any technology in DS9.
So, long to short, the things that we call as free in Star Trek is just an extended Government Program for the people of Earth; like what we already have today. I don't know about the United States. But it like Free Medical Service, Free Schooling, etc that we have already got from several Country Governments today. The different is that in Star Trek, it provide wide variety service to the citizen on Earth. To an extend that they actually don't have to work, as long as they already satisfied with basic necessity, and ignore luxurious things. Like drinking authentic Romulan Ale, travelling to another planets, or even own a luxurious mansion with high tech services like Chateau Picard.
With this, you still need to work in Star Trek 24th century.
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