As for the idea that people have replicator privileges, that seems inadequate to me.
I don't agree.
I am trying to put this as delicately as I can. The reason I don't believe in a society that doesn't have money, and that I interpret Trek's situation to mean that it does have it, has nothing to do with greed, or a LOVE of money. I don't want anyone to be poor, I think everyone should be able to make a decent life for themselves, and I think that rich people should use their money wisely.
The problem I see is, even in a so-called "post-scarcity" society like the Federation, I can only see it being possible with a massive government bureaucracy - and with that, a resulting loss of freedom. Some of my learned colleagues...they know who they are

... believe in a sort of "democratic socialism," and furthermore believe that the Federation is an example of that. That is their right, of course. I won't insult them for believing that.
My response is simply this:
I don't believe in democratic socialism. Socialism, IMHO, is anathema to the concept of freedom and democracy. It requires government control and ownership of everything...and how can you have freedom with that?
Like I said though, this is not to say that I think our current system is perfect (far from it, actually), or that rich people should hoard everything they have. Quite the opposite, really. I simply think that people should already WANT to share what they have, and help people out, without the government stepping in and essentially making them do it.
If human nature has already changed enough, by Trek's time, to allow for this, and people really do work to help themselves and others...then that's totally fine with me. But the use of an all-encompassing, government-controlled "command economy" to force them to do so, would not be. If the Federation government has such total control of the economy, I fully would expect them to view replicator privileges as something to be given, or taken away, as they believe necessary. Anything like this that has such potential, can also be abused.
Again, if I've offended anyone by saying what I just said, I do apologize, it's not my intention to troll or to piss anyone off. But other people in this thread have spoken their minds, I'm just taking my turn.