Except Picard's is not the only statement that there is no money in Earth's 24th century culture.
Picard said there was no money in the 24th century, he
never mention Earth.
You have additional statements by Janeway
Who told a story about shopping and buying an lamp with money.
Paris said "when the New World Economy took shape in the late
22nd century and money went the way of the dinosaur,"
Humans were using and frequently refering to money in the
23rd century. And there were Humans of wealth.
Jake said he didn't need money, not that money didn't exist.
Nog said "your species (Jake is Human) decided to abandon currency-based economics." Humans abandoned currency. And Nog was referring to Humans in general, and never mentioned Earth.
I have no problem with currency in the Trek-verse being abandoned in favor of solely using some form of electronic financial transfers.
Quark was able to sell his damaged shuttle on Earth, and use the proceeds to travel back to DS9.
You would have to refresh me on that one, I don't immediately recall Data speaking on the subject one way or the other.
So your argument is that because she is charging her account for purchase on a non-Federation world invalidates the statement that Earth does not have a currency based economics?
The scene invalidates the idea that Humans no long use money or that money doesn't exist in the 24th century, Crusher is Human and she's obviously using money, this is in direct conflict with Picard statement that money doesn't exist in the 24th century.
And there no indication that Crusher was employing currency, the purchase was charged to her account.
As for Crusher shopping rather than replicating? I default to females when it comes to the concept of shopping.
Got one right here. A woman would much rather have clothing made of cloth or silk, rather than something made of a artificial substance like polyester or rayon.
Similarly, we treasure a real diamond that was mined out of the ground, but look with scorn at a artificial diamond manufactured in a reactor.
Beverly could make daily use of the repelicator, while still preferring natural materials.