trekshark said:
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it's inconsistent
there's the occasional talk of credits even after characters say money is gone
my theory is that on the main federation planets there's no need for money and everyone, even the lazy that do nothing, get at least basic housing and food. They can do this due to basically limitless energy from a combination of highly efficient orbital solar collectors, fusion reactors, and anti-matter reactors. With this energy they can replicate all basic needs and most other things too
on the backwater planets and new colonies I highly doubt someone would be taken care of if they refused to be productive though.
I think doing work does result in earning some kind of credit that can be used to get better housing, buy one of a kind items, be exchanged into foreign currency if traveling outside the federation, etc. This would include serving in starfleet and is how sf personnel could get served at quarks
evidence of starfleet people earning some form of "money" include Uhura buying a tribble, the negotiations for the barzan wormhole, Crusher telling the cloth seller at Farpoint to bill her account on the Enterprise, and (according to memory alpha, I didn't remember this one on my own) Quark accepted credits as payment from the starfleet personnel on DS9