Canonically, it's not the Federation that has no money, it's humanity.
I'm not following.
Earth is just another Federation member world, after all. Sure, the capital buildings and Starfleet Command are there, but it's not like Earth's a special case. And there must be hundreds of thousands of aliens living on Earth. So how could humans have no money, but not the rest of those beings?
And if Earth is such a paradise, then why would anyone want to leave it?![]()
What I mean is, it's never been said outright, AFAIK, that the Federation doesn't use money. Only that humans don't use money. You said: "....is that if the Federation really does have no money..." Based on canon, the Federation does use money: Federation credits. So, it really could be that Earth isn't typical of Federation worlds.
As far as "In the Cards" goes, it seems like an attempt by Moore et al. to kind of split the difference between all the canonical references and make Earth/humans the one with no money, instead of the whole Federation. It's generally been the case that when characters say that there's no money, they're human. For example, it's Kirk or Picard visiting the past and talking to present-day humans or people of the relatively near future.
The part in Star Trek: First Contact about money is:
Picard didn't explain how the Federation economy worked. Since he said that they work to better humanity, that makes it sound like he's talking about how humanity functions. The Federation economy has never been fully explained. Warp drive has never been fully explained either.PICARD: There are twenty-four decks. Almost seven hundred metres long.
LILY: It took me six months to scrounge up enough titanium just to build a four-metre cockpit. ...How much did this thing cost?
PICARD: The economics of the future are somewhat different. ...You see, money doesn't exist in the twenty-fourth century.
LILY: No money! That means you don't get paid.
PICARD: The acquisition of wealth is no longer the driving force in our lives. ...We work to better ourselves ...and the rest of humanity. Actually we're rather like yourself and Doctor Cochrane.
