And he also said "money doesn't exist in the 24th century".
Of course Picard didn't say
money doesn't exist in the Federation, he said the 24th century, making the no money statement basically include ... well everywhere.
Risa, Bajor and the Klingon Empire have money, so not the 24th century.
It's a pretty explicit statement regarding the economics of the Federation.
Or just the economics of Humanity.
At this point you are just making random speculation in order to support a pre-conceived conclusion that contradicts explicitly established canon.
You mean the canon that money does exist? Because we hear of it's use inside the Federation by people from the Federation?
Given that money
is used in the Federation, Picard's and Jake's identically worded statements could mean the absence a particular form of money by Humanity, while all other forms are still there. For Humanity physical money might be long gone, while electronic financial transfers are common.
The latter would explain both Beverly's purchase of the cloth (nothing physical, just an authorization), and Uhura shopping trip on K7 (no apparent purse/pockets).
At the same time, non-Humanity across the Federation might use a combination of electronic financial transfers and physical money, as they see fit.
So Picard can still purchase a statue, but not have any "money."
And the piano player can still have a tip jar for cold hard cash.