Sandrines' is a BUSINESS.
So is Ten Forward, but Guinan doesn't seem to charge anyone for anything.
Why would you expect anyone to do all that for absolutely no compensation? She's running a business, not a soup kitchen.
And why do soup kitchens stay open for no compensation?
Better question: why did high school and college athletes spend hundreds of hours training for sports and performing in competitions without getting paid for any of their time? Why does ANYONE bother to play basketball who isn't in the NBA?
How is drunkenness of benefit to humanity?
Humans have been asking ourselves that question for 4,000 years. You really think you're going to get an answer on a Trek message board?
Oh, okay. You've just basically described Kes as a bored, brainless teenage floozy who would probably be turning tricks on a street corner, assuming her planet had street corners.
Well, I described her as a rebellious youngster who gets herself into dangerous situations with irresponsible people. Which is why she (and Neelix) have no money.
So... Kes is a teenage hooker and Neelix is an animal scavenging in a dumpster.
Are you perhaps confused about how they first MET Neelix?
NEELIX [on viewscreen]: Whoever you are, I found this waste zone first.
JANEWAY: We're not interested in this debris, Mister
NEELIX [on viewscreen]: Neelix. And since you're not interested in my debris, well, I'm delighted to know you.
Later:
NEELIX [on viewscreen]: I really wish that I could help you, I do, but as you can see, there's just there's so much debris for me to investigate today. You'd be surprised the things of value some people abandon.
JANEWAY: Of course, we'd want to compensate you for your trouble.
NEELIX [on viewscreen]: Well, there's really very little that you could offer me. Unless.
JANEWAY: Yes?
NEELIX [on viewscreen]: Unless of course... you had... water.
So, yeah. He's pretty much a bum who spends most of his life dumpster diving for basic sustenance.
And THIS is the guy who Kes was counting on to come rescue her.
You don't think Deanna would have picked up on the Starfleet party line over the years, particularly after she went to the Academy?
If it was the STARFLEET line, no. Non-human Starfleet officers also seem suspiciously silent on the subject or else have their own interpretation of what "normal" standard of living should be. Worf, for example, doesn't seem to think poverty, disease, war and hunger have been eliminated for Klingons, and Nog -- who has
been to the academy and is now an Ensign in Starfleet -- still maintains his profit-hunting proclivities in "Treachery, Faith and the Great River."
And then there's Eddington's defection to the Maquis, which he justifies thusly:
I know you. I was like you once, but then I opened my eyes. Open your eyes, Captain. Why is the Federation so obsessed about the Maquis? We've never harmed you, and yet we're constantly arrested and charged with terrorism. Starships chase us through the Badlands and our supporters are harassed and ridiculed. Why? Because we've left the Federation, and that's the one thing you can't accept. Nobody leaves paradise. Everyone should want to be in the Federation.
This is as much about Earth's cashless "everyone is happy" utopia as it is about the Federation worlds that have similar (if not exactly as thinly distributed) planned economies. Eddington's beef isn't with Starfleet, it's with the FEDERATION. And that "party line" isn't a Starfleet thing, it's an Earth thing primary and a Federation thing more generally. Not everyone likes it and not everyone accepts it, but not everyone really has to for it to work.
You've been saying that it's not humans in general who don't use money, it's just humans on Earth. And somehow Jake seems to think that no humans use money.
That's because Jake is from Earth, the homeworld of the Humans, on which the vast majority of Humans actually live. ANYTHING that Jake could say about humans in general would be inaccurate due to the existence of the Maquis or anyone still alive on Turkhana IV at this point. But again, this is the Star Trek monoculture in action: generalizations are treated as mostly accurate and the exceptions, if any, can be ignored. Same thing for the Klingons and the Ferengi: are we REALLY supposed to believe that all Klingons are warriors, or want to be warriors, or look down on Klingons who AREN'T warriors? That there isn't a whole society of Klingons living somewhere who think that the affectations of hyper-machismo that pervades Klingon society isn't completely stupid and turn their backs on the whole business?
In the real world, there would be. But on Star Trek, nobody cares.
Why should the Bandi expect compensation when humans don't use money?
Because the Bandi DO. And so, broadly, does the Federation.
It could have been when he got married, realized he was going to be a father, started taking his medical duties more seriously, showed more responsibility... there's no reason why he couldn't grow as a person but still goof around with his favorite holoprogram. Not everyone in the 24th century has to have Shakespeare and chamber music as their hobbies.
And yet James T. Kirk is still a "frat boy" for that very reason.
Except it was openly stated that some people did not have access to replicators and some actively refused to have anything to do with them. So how did they get the goods and supplies they would need to live their lives?
By being the incredibly odd humans who refuse to participate in the "Betterment of humanity" scheme and deciding to go by cash instead.
And being a human who uses money is probably a lot like being a Klingon that doesn't like violence or being a Vulcan who doesn't strive to be logical. It makes you odd and easily forgettable, and possibly a pariah to your peers. It's likely that most such people wind up moving out to the colonies where scarcity is still a thing and the preference to control ones own resources doesn't raise as many eyebrows.