The whole "no money" thing has always been a bit of a fallacy. Federation credits in Trouble with Tribbles, Scotty buying a boat in Star Trek 6, Doctor Crusher charging a bolt of cloth to her account in Encounter at Farpoint, the human Vash being all about profit, Federation personnel frequenting Quark's bar, Sisko charging Quark for repairs to the cargo bay after a scheme went awry. Some form of currency must be involved in these transactions.
I believe that if you live on Earth or any of the more advanced core Federation worlds, that all your basic needs such as food, water, shelter, medical care, etc; are all provided by replicator and are free to the general populace. However, if you want to buy a boat or a bolt of cloth, drinks at K7 or Quark's, or go on that dream vacation to Risa, then you will need it to have accumulated some form of currency, identified in Tribbles as Federation credits.