I’m not familiar with those examples you listed, however I did not mean that people make money like we do now. I thought in ST that governments still had their own currencies.
I remember in one of the episodes of DS9 where Sisko visits his father, he makes a point that his father used a large portion of his monthly transporter credits to travel a large distance on Earth. And as for the DS9 station, I assumed Starfleet crew had stipends since they hang out at Quark’s, and I doubt he offers services free of charge.
Another user also claimed it’s probably not best to take Pelia’s cash-less society remark at face value, could have been sarcasm. She’s probably older than Earth currency!
More likely your needs and most of your wants are covered, but not everything. So currency exists for what is not provided by the government. Or in the case of something important like transporters, an arbitrary limit to prevent abuse. Also there are plenty of profit-driven characters we see even if they are a species from the Federation.