In TNG, Picard says that the Federation has evolved past a need for money. Indeed, we never see any.
In DS9 though, Quark talks a lot about bar tabs and costs. Surely O’Brien and Bashir don’t get free drinks, so how do they pay? I’d assume that any Ferengi worth his lobes won’t accept anything that can be replicated, so do Federation officers get a stipend of tradeable “value” when interacting with cultures that still expect payment?
I think there’s also a reference to Quark paying rent to Sisko for running the bar. Presumably that’s denominated in latinum. I wonder where it goes? Maybe the secret “Garak black ops” fund.
I have a large write up on this from the Daystrom Institute on that other site. I don’t think there are rules against linking there, so here you are: federation citizen’s migration guide I know this is only tangentially related, but it does have the idea of locals deciding how to allocate resources. And a summary of another daystrom discussion that I remember: Sisko’s restaurant might have significant cultural value, so the city council allows him to operate his restaurant as long as he has patrons to his restaurant. Hence why he’s concerned about turnover, even though money doesn’t exist.
I can’t find the saved link to the second discussion about why sisko cares about turnover, sorry