I would guess with more planets open for habitation, the limits on land aren't as pressing as they would be now. That's my assumption anyway. On the outer reaches of the galaxy, they use gold pressed latinum so currency hasn't entirely went away. I would imagine there are quite a few people living exclusively in a holodeck!
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Haha yeah... but also...
But you make a great point in that money is necessary if only to interact with alien races. How do you trade with an alien race if you don't have the currency that they trade in? It's heavily assumed that there basically is zero economy and different factions don't trade with each other, which is a bit ridiculous, again refusing to open up the story to that kind of impossible complexity. They didn't even bother creating "Space Credits" like so many Sci-Fi shows have attempted before it.
Yeah, good points. I would imagine there has to be some kind of trade happening. They briefly touch on it in some episodes but never really dig into the meat of it. With the absence of currency, I am guessing you would simply barter for goods like they did at the beginning of time.