But that's making the unsupported assumption that they're capable of doing this. While they obviously have a reasonable production capacity, "generating abundance on demand" is never seen.
Replicators for example generate basically everything on demand in the 24th century.
Other automated technologies (not necessarily including replicators) can do the same.
Starships have produced a number of things on demand to suit the mission at hand when they needed it.
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Today? No, what abundance we do produce is the result of effort, and not "on demand."
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Food, housing, technology, etc. All of it is produced in massive abundance as a direct result of most of the production being AUTOMATED.
And the world is increasingly automating faster than exponentially more and more.
Food is produced in enough quantities to provide between 12 and 17 billion people annually... 40% of the produce is discarded merely because of 'aesthetics' (otherwise, they are edible).
In the USA alone, there's roughly 6 times the empty homes than there are homeless people.
Technology like cars is overproduced and a monstrously high amount of brand new cars is going to landfills, never to be driven at all. They are occupying the size of hundreds/thousands of football fields... airport sized 'graveyards'.
High end laptps are also overproduced and then majority of them (that work btw) are thrown into the landfill for the simple reason that companies want to keep prices artificially high.
Manufacturing costs of everything is at such a low level that it is a criminal offense that regular people need to buy hundreds to thousands of times more for an item.
Not a restriction, money is instead a means of acquiring your wants and needs. Without money, how would Janeway ever have purchased that lamp?The Bandi built (supposedly) a starbase which they were going to negotiate the use of, meaning Starfleet would not have to build one themselves in the general area.Money would also be use in trade and commerce between Federation members and commerce on member planets.Surely all Federation planets are open to interstellar visitors and have their share of tourism.
Money is entirely made up that has no intrinsic basis in the natural world. Humans made it up as a method of rationing scarce resources in any given area, and it was more convenient than trade.
We've seen a few individuals in the Federation who engaged in currency based exchange of goods and services.
Also, it was Tuvok who got the meditation lamp and not Janeway. They got it from a Vulcan master who apparently doubled the price when he saw they were SF officers.
We've seen individuals belonging to species of Federation members engage in monetary based transactions... that does NOT indicate however that the Federation as a whole uses a monetary based system. It could easily mean that monetary transactions are usually useless in the Federation, but some people prefer to engage in them when they travel outside the Federation and when they return, they are a direct link to other species economies - with which the Federation likes to have good relations with... so they likely authorize some monetary transactions in order to encourage good relations out of respect for those other cultures.
Also, Risa being a Federation member world, wouldn't they therefor have the same abundance as Earth? So why charge anyone for access to their "wares?" Because they have so much abundance.
They would have the same abundance... it would be ridiculous to think they wouldn't considering the type of society the Federation is.
Different writers created a whole mess because their knowledge of post-scarcity economics is rooted in nothing. They were basing those aspects in things that were known to them.
Evidently, they had 0 concept of automation and how you can produce abundance even without replicators - DS9 in particular was a main culprit behind this thinking seeing how it introduced religion as well - DS9 is also one of my least interesting Trek's... it was actually ok in the start, in line with other Trek shows, but then it progressively degenerated into modern day set in space type of thing.
Alternatively, and since we know little of Federation economic model, it might be possible that certain items on some Federation worlds are not allowed to be replicated out of tradition... and we've seen that many Federation cultures have ridiculous and outdated 'rituals' and traditions that actually beg the question on how they managed to become a Type I civilization, let alone Type II.
We've only seen a fraction of the Federation members... and out of that fraction, a few individuals decided to engage in monetary based transactions.
Big whoop... the Federation is an open society... it probably won't prohibit monetary transactions for those who want to engage in them, but that still doesn't mean they would be part of the main economic system throughout the Federation.
However, if Risa has no such abundance, and thing aren't free to all, and they (like the rest of the Federation) have a market economy that requires money, then Picard having to pay money for his little sex statue makes perfect sense.A banks most standard meaning is a financial institution. If the writers meant a storage facility, why not use that term?
If that is so, then why isn't there ANY reference to Picard paying for accommodations, food and other basic necessities?
The sex statue could easily enough be considered a 'traditional item' (which it was btw).
As for the bank and not using a term 'storage facility'... any particular reason?
It could easily be due to the Bolians using that specific term out of tradition and nothing else.
Others in the Federation are usually respectful to each other and their traditions (SF officers certainly are in most cases trained to do so as part of their First Contact duties) so the term could have stuck.
There might be some planets in the Federation that might have retained a limited use of monetary based economies for some things... but on a larger scale, this wouldn't jive in a society like the Federation.
Monetary based economy is an outdated and ridiculous model that is actually incompatible with our own science and technology in the real world - the only real reason people cling to it is because they were brainwashed into thinking that nothing else would work - all the while the monetary system is eating itself out of existence right now due to massive automation.
If you disagree, then I encourage you to educate yourself about automation, 3d printers, computer algorithms, and how human behavior is generated as a direct product of cultural upbringing and environment (hint, genetics have little to do with it).