You seem to be starting from the a priori assumption that there's something preferable about not providing things for free when you have a state of abundance. Why?
You seem to be under the assumption that all that abundance doesn't come from hardwork, setup, resources, time & effort.
Why should anybody work if you're going to have to give it away anyways and get nothing out of it?
If the other folks get to be lazy, why should the people who work so hard to make all this abundance do anything at all?
If they quit doing anything, they can be equally lazy as the majority and nobody will have any abundance.
Why should it be the minority that has to do the work?
Everybody contributes, and we all benefit as a collective, or nobody contributes, and we all get nothing.
Why should the majority get to enjoy life while a minority slaves away at work to give them abundance?
But what is the purpose of requiring everyone to work if there is a state of abundance?
So that we can collectively enjoy a better life style for the whole of society and have extra tucked away in secure areas as insurance incase disaster strikes and we need that extra resources to make up for loss.
You can never predict when a random Borg Cube will come attack, or when Jem Hadar will sneak attack your planet and devastate everything, you'll need "Extra resources" to balance things out incase of heavy loss.
Why should everyone work when only a few need to work to maintain everyone's level of material comfort?
Again, why should the minority sacrifice themselves for the majority when they get to lounge around in comfort and do jack squat while the minority SLAVES away for them?
I'm asking everybody to contribute a standard amount of hours to work, no more than required, no "Over Work" for the sake of it, just a standard amount so everybody can benefit. No OverTime per Federation Law unless Society is at a Life & Death Struggle similar to WW2 crunch time.
Why not set up a system where only a minority of people need to work and only if they wish to?
It's called SLAVERY or Indentured Servitude, either we all collectively contribute, or you who are lazy can starve and suffer with nothing as far as I'm concerned. Contribute to the greater Federation Society, or get by on BARE MINIMUM basics to survive.
And I mean ABSOLUTE BARE MINIMUM. That means we'll count calories you can have for each meal, water down to every milli-liter. Housing that makes typical college dorm room look like luxury suites. Electricity Allowance that counts every watt you use.
That proverb only makes sense in the context of an economic system that exists in a state of scarcity.
Nothing is Unlimited in this Universe, some things just last a REALLY long time like the lifespan of Stars. It's a false belief that everything is abundant, just because technology. Everything has to be setup, tested, distributed, manufactured, etc. Everything comes through some form of hard work from people.
Society progress through the hard work of MANY people, expansion of knowledge, efforts to learn and increase the foundations and limits of our knowledge, teaching of said new knowledge to others so that they themselves can increase their own knowledge base and recontribute to society. All that is hard work and effort.
But what if there's more than enough for all of society with only a minority of people working? Why not just provide things for free? Why not give people the freedom of not working if doing so does not harm society's abundance?
Then society will stagnate & slowly crumble, people will get lazier & lazier. Less intelligent hard working people will be around because they will see all the others lounging around and emulate them. It'll be a downward spiral.
Why should anybody do the dangerous parts of exploring the Universe when somebody else can do it, I can lounge around in my Holodeck and never leave my wonderful playground.
And when the Borg come, they'll assimilate Earth with no credible resistance, and all of society is gone.
Your individuality is meaningless and the Borg will take everything over.
When resources are abundant having things for free does not prevent people from working hard (whatever that means) if they desire to. The UFP is not based on the ye olde Earth Protestant work ethic.
'Give a being a replicator and said being will not starve or want for clothing, however they will need somewhere to live'
I'd rather all of UFP be hard working contributors to society, then we can all benefit from it. I don't want a lazy soul in my UFP.