Star Trek was pretty inconsistent with money. Riker often gambled for money, and they certainly treated specific items as “valuable” (historical items, weapons, and especially liquor.)
I think some of the writers just didn’t know how to picture a post-money world. But by DS9 they mostly treated things like latinum an inter-species trading valuable (especially to/from the Ferengi) or just something that’s needed in the outskirts of the Federation.