People go to stores to get stuff today, it is like that. except it is free and replicated.
But then we come back to Robert Picard. If he won't have a replicator, does it make sense that he would go somewhere and acquire replicated items for his house? And if there is a alternate source for what you could get from a replicator, what percentage of societies needs are coming from replicators?
There's a scene in DS9 where Joseph and Jake are returning to Joseph's restaurant with bags of various items, with Joseph talking about getting the days cooking started. I believe the implication is that the items are necessary for that cooking. But give that Joseph is running a commercial restaurant, if he had a replicator, why is he going out to get things he needs to cook as opposed to replicating them?
I don't think Joseph has a replicator.
Miles spoke of his family not owning a replicator, but nothing about there being some philosophical reason not too. Maybe they simply couldn't afford one?
Owning a replicator might be a luxury and a expensive one at that.
At worst there in a continuity error
Given all the statements and observations concerning the existence of money and it non-existence, perhaps the few times character deliberately state that there's no money is the continuity error?
The Janitor is probably Starfleet, or some sort of service that promises expanded benefits over time if he does gruntwork.
Would a janitor receive the same amount of benefits per unit of time as say a skilled doctor or a celebrated architect? Sound like another form of compensation.
Why is Kirk checking out that guy's ass?
Spock (thinking):
"I remember when he would check out my ass."