This is why in Star Trek wealth still existed even if nobody had to worry about money. Wealth became your family holdings, irreplaceable heirlooms whether that was a family restaurant, a ranch, a vineyard, or a few acres and an immaculate midcentury with great views in Big Sur.

And if you wanted that but didn't have it in your family, then it was away on the next colony ship for you so you could build your own immaculate midcentury with sweeping sunset views of the coast on Canopus XII or whatever.