Now that you have mentioned Jake, Jake's situation on DS9 made me wonder how do teenagers of the 24th century Federation prepare themselves for their adult lives. As you said, the episode could have been, but wasn't, about learning about the necessity to earn what you want to acquire and about developing a good work ethic.The problem with "In the Cards" is that all the things that Jake did, could have easily been a story about a kid working summer jobs to save up money for the baseball card. Currency just provides an easier means of exchange because it is an agreed upon value.
Before Keiko started the school on DS9, what exactly did Jake do all day long? He wasn't working, he had no school to go to. And I don't remember him being trained for something, like him being apprentice. It seems like in a post scarcity society, kids might get spoiled and learn to be complacent. Or was Jake just an outlier, and not the typical teen?