What about Picard? On Risa (a Federation Member) he required money to purchase a statue, and someone on Risa took his money in exchange for the statue that they were selling.Okay, Quark was at Earth, he was leaving Earth for a destination. How exactly was Quark "outside" the Federation at the beginning of his journey? Someone in our star system took his money and in return provided passage.
Qualor II would seem to be a Federation planet. What interesting is when the piano player solicits a tip/bribe from Riker, he says he doesn't carry money, not that money doesn't exist. I do believe that Federation money (or Member money) is mostly electronic financial exchanges, and usually isn't physical money.To help support themselves, not everyone is going to want to live on government handouts.We see people buying or having bought things on the show.There are many stores and websites that sell swords (for money). Everything from twenty dollar knock-offs through swords that sell for tens of thousands of dollars. The volume is less than centuries past, but the trade in swords continues.We know that with enough money you can buy planets in the future.
An luxury condo here in Miami can go for over fifty million dollars. Some locations are more desirable, more prestigious, more expensive than others, who get's it?To some people most likely, but others on Earth will want the better house or the sizable bank account. Why? Because billions of people are not going to be exactly the same.
So some might just want to labor for free, to live up to their own lifestyle. But some other entity is going to have to support them, governemnt, society, family, someone.
Others (on Earth) will labor for the next paycheck, again not everyone is going to want assistance. They'll make their own way, and maybe feel pride for having done so.
Am just on quickly so forgive me for my uncharacteristically short incomplete answers...that and it's been suggested we are prodding necrotic unicorns.
Quark is not a federation citizen, and therefore may have to book passage.
Risa is a resort, may resorts are 'all inclusive' now and accept beads as a rwprestation of payment for something you have already paid for (or Disney dollars)
It is likely this is part of the traditions of Risa, and just falls under the hobbyist approach elsewhere.
Qualor 2 is clearly not exactly a federation world, because people can be shot and killed with no investigation. They respect starfleet authority because it's backed up by a sodding great starship and they probably don't want every stone uncovered in investigations. (it's not exactly gunboat diplomacy, that's probably the Klingon approach.) It's very similar to DS9.
The attitude to 'government handouts' differs wildly on earth now across countries, and its a fundamentally different kind of world we see in Star Trek, a different kind of humanity as we are different from those a few centuries ago now. Different governments, different people. No resources to fight over, a land of plenty, even less need for Pac Man high score salaries than there is now.
Access to fresh water is hardly seen as a government handout now...in the future access to everything you need and a great many of the things you can ever want is as simple as turning on the tap...so why would such things be handouts to be avoided with pride? Even then you get people like Robert Picard who reject many of those things to work with their own two hands....it's the fact that they really don't have to that makes it basically some serious deep lifestyle hobby.
That line between ' using things within the federation for federation citizen' and 'trading outside the federation, or for a non federation citizen inside the federation for certain things' seems to be there in the show over and over (we don't even know that Risa is a federation world, it certainly has non federation races as standard visitors, even if it's just sort of allied races like the ferengi later become)
The whole point of Trek is that mankind's attitudes have changed radically, because behaving like we did nearly wiped us out. And then we found out there are other people in the galaxy. Why would a race descended from a people whose standard thinking nearly got everyone killed continue to follow those old behaviour patterns, and worse, export them into a galaxy where we are at least initially the smallest fish in the pond?
That's sort of the point underlying it all.
There are groups now calling for an end to work, a set income for all, and increased automation, so that the traditional need to work can be done away with (which was always supposed to be the point in technological advances anyway....allegedly.)
Now, they may be mad as March hares, but the fact such concepts exist now (and even earlier in older societies) suggests that it is in fact perfectly plausible for Treks no-money future to exist.
One of the biggest problems of today is that we have borderline star trek tech...but not trek people using it.
