However, your own very comprehensive list gives food for thought. Which of the "credit" usages there are actually intra-Federation?
* Cyrano Jones at K-7? Perhaps, perhaps not, as this is a frontier outpost, bordering on disputed space. Jones might be a Federation citizen, or at least directly subject to its laws. But the bar and its tender need not be - re: Quark's.
* So, Starfleet personnel at Quark's? That's certainly not intra-UFP, and although Starfleet or the UFP may have made a special arrangement with Quark on keeping the local Starfleeters in food and drink and sufficiently entertained, we can well argue that any time we hear of credits, it's because Quark requires hard cash, not because Starfleeters or Feds do that among themselves.
* Robbing of Bank of Bolarus for GPL, i.e. cash? Need not be Federation cash being stored there - UFP banks would obviously deal with foreign economies which do use currency. Note that none of the robbers were identified as Feds.
* Quark paying a fine to the Feds? Again not intra-UFP. Ferengi citizens and corporations doing business within the UFP would have to fit in this scheme the UFP and the Ferengi Alliance have between themselves. An incidental extra transaction like this fine thing would still probably fall outside the general agreement, and currency if not cash would have to change hands, just as when Bashir buys holo-time. A different sort of sanction could be imposed on a UFP citizen who is within the sanctions system rather than a foreigner who scrams for parts unknown right after release.
* Crusher's cloth? That's an obvious UFP/alien transaction, not intra-UFP. Expense account for interstellar representatives in action, probably.
* Buying the Barzan wormhole? Again not intra-UFP, although the scale is a bit different from Crusher's buy.
* The Tigan business? Not stated as being UFP at all - indeed, Trills back on planet Trill being members is far from established in canon (although the novels are a different matter), and the Tigans being UFP citizens is a wholly separate issue again. Note also how the local jurisdiction is out of the hands of UFP police forces (if any indeed exist).
* The businesses decidedly within the Federation, like Joe Sisko's restaurant or the various jobs old man Bashir held? There is no mention of money being involved there - the "future economy" that Picard speaks of could account for these businesses, the deciding factors being professional pride and customer satisfaction rather than the making of profit. On the practical level, expenses and winnings could be invisible to both sides of the business, creating a moneyless society of fully automated and user-inaccessible transactions. We never see anybody pay at Sisko's.
What does that leave? The "Author, Author" thing where a book is rushed to the market? Hardly suggestive of monetary interests, when this would be one of the most obvious places to apply the "future economy" credo of people being motivated by professional pride.
So essentially, we're left with "The Gift" and the incident of a known Federation citizen buying a commodity on a Federation world from a merchant who isn't identified as non-Federation, and an explicit price being involved. That's a single piece of evidence to overcome if we want to push for the truly cashless, truly consumer-money-less interpretation of UFP economy.
FWIW, the transaction was between two Vulcans. Perhaps this planet has a local arrangement unrelated to the UFP economy. And perhaps this arrangement is even limited to religious items such as the meditation lamp in question. No matter - if this is the sole issue to be tackled, all sorts of fancy explanations can be considered.
(And incidentally, I don't think the Vulcan was supposed to have upped the price because he thought Starfleeters were wealthy. I thought he upped it because he loathed Starfleet, like many Vulcans seem to.)
Timo Saloniemi
, to wit, "In the Cards," where the entire plot hinges on the Federation not having currency of any kind. 
