sadly, the money situation in star trek is one of the biggest "whatever it needs to be that moment" sort of things.
The most baseline portion seems to be that Earth, because of replicators and near limitless energy, is a post scarcity society. A human on earth gets whatever sort of food, item, etc that they want.
But then there's always this weird other set of things outside of that. like, they can make any meat or meal with replicators, but there are still restaurants that prepare born and raised food where they cook the actual recipes the way we do now, because people enjoy it more (always a little knock to replicator stuff being "not as good"). But these restaurants don't seem to charge money, neither do the farmers or ranchers. Like it's all done for the love of the work; but then... how do you decide who works the restaurant? who farms the food and does the ranching; isn't there a near limitless number of folks that want to "run a ranch"? How does it work out perfectly that the right number of people want to pick crops, and the right number of people want to cook those crops in chic down town restaurants with the exact right number of people who want to wash pots and pans vs want to chop onions, vs want to cook the meals?
Does anyone get to run a restaurant in down town san Francisco if they want? Does anyone get to have a cattle ranch? No, there's only so much space in a city and dirt on a planet that grows grass for cattle, yet these folks just kind of "do it cause they love it" and there's no apparent barrier to entry.
Picard had a vineyard, yet he has no money. Why does he have that land? Ok, it's in his family, he owns it, does he have the ability to sell it? Apparently not, because no one has any money to buy it. yet people work it in his absence and make wine.... because they want to pick grapes for a hobby (not a living, they don't need to do anything for a "living").
Then you've still got colonists getting on ships and going out to rough it. Why? Earth has literally everything? Is it just the pure wanderlust? They act like they had to scrimp and save to get their usually shoddy-as-****-ship? What do they scrimp and save? Who do they buy a ship from when no shipyard has customers for ships?
Earth economy in star trek breaks down completely under any sort of passing analysis. and the more you try to come up with ways to make it work, the more things start to look rrrreeeeeaaaaallll grim and fascist looking. Part of the issue is that the post scarcity economy put forth in the original show was supposed to be part of the goal; an aspiration where the attempt to GET there, would improve the world enough, even if you never fully succeed. it was window dressing on the heart and soul of the show; not supposed to be a blue print for building a real world economy.