I still say: the replicator did it. Remove scarcity, and you change the economic system completely.
Note that the 23rd C had a different economic system than the 24th. Kirk was downright frantic to get mining operations re-started in Devil in the Dark, despite the obvious risk to the workers of whatever was killing them. Not very enlightened of him. Same Federation, same Starfleet, the difference is, no replicators in the 23rd C.