Yeah, and as I already said, Gene Roddenberry clearly retconned this idea. No money in the 23rd century. Kirk said it.
Actually, I'm not sure Roddenberry had anything to do with that line. Chances were, Nicholas Meyer wrote it . . . and Roddenberry didn't have any say over the movies at that point.
And, like I said, TVH is a light-hearted romp. It's one of my favorite Trek movies, but I'm not sure I'd take it as the definitive statement on 23rd century society!