From what I've seen/read not every planet goes with a "Currency Less" society
From Tos and Ds9, there was talk of credits, like a Tribble costing 5 credits a peace, and them going to Quarks and participating at the dabo table.
Some people "own" there own ships, from a shuttle, to a big ship. They don't just give them away, so there must be a system in place.
Maybe a federation membership rule, you don't have to outlaw currency, but you must set an absolute minimum floor there citizens can be at. Maybe make it where if one wants a job, one can find a job so one can move up in life. Well given that any type of social system, capitalistc, solcialistic, or communist, will never be run "perfectly". Checks and balances would need to be instituted. I doubt the federation would let enter a Dictatorship, or a complete meritocracy, but then, if the planet has something it needs, dilithium etc, rules can change, like the Cloud minders...