As far as money goes, the big thing that keeps getting pushed around is the idea that Starfleet officers aren’t paid, and that nobody works for money as a motivation. So, what I expect is there is some kind of Federation Credit that is a currency, and is exchanged for good and services. But there’s also a UBI type effect where you don’t really have to pay for your house, or your food, at least on Earth. And I think that’s an important distinction, everything that a character says about money in Star Trek is a direct reference to Earth, rather than the UFP as a whole.
In generally I’d assume most core worlds of the UFP are pretty much in the same boat, Vulcans don’t need to work to pay for college, or rent, or lunch. They work because they want to. Same on Andor and Tellar Prime. There are references to the Bank of Bolias, which appears to be on a member world.