I think it's stupid, and doesn't make sense in Star Trek. It made sense in IV because of the time travel, as you said. The idea of Multi Billion Dollar corporations still plugging away in the 23rd century does not fit with Star Trek.
Actually, in the 23rd
century, it makes perfect sense. The whole "moneyless society" thing didn't come along until TNG. Yes, Kirk said in TVH that they don't use money in the 23rd century, but TOS was full of references to money and capitalism -- Harry Mudd and Cyrano Jones as businessmen/traders, the "rich lithium miners" in "Mudd's Women," credits as a unit of currency in "Catspaw," "Mirror, Mirror," and "The Trouble With Tribbles," Kirk telling Scotty he'd earned his pay for the week in one or two episodes, Kirk saying in "Errand of Mercy" that Starfleet had invested a great deal of money in his and Spock's training, Spock in "The Apple" reporting just how much money they'd invested in his training, Flint in "Requiem for Methuselah" and Carter Winston in "The Survivor" described as having great wealth, etc. There's no question that capitalism was alive and well in the 2260s. The most logical interpretation of Kirk's TVH line is that they don't use currency because they've switched to a purely virtual/electronic credit-based system -- as we increasingly have today with things like credit cards and PayPal.
That's exactly how I've always seen "We don't use money", is that they don't carry around physical cash, because they carry around their Debit Card, or whatever means there currently is to draw "money" from your bank account. Not using money, doesn't necessarily mean you don't have to pay for things.
Although it often costs me 40 cents or 75 cents at a liquor store/convenience store to use my ATM card, I almost never carry cash, and almost always use my ATM card
One Day I hope to be the Man my Cat thinks I am
Where are we going? And why are we in this Handbasket?