There's the Series One episode of the original series,
The Devil in the Dark. Hadn't there been a significant number of deaths there? Were all those killed sitting in climate-controlled offices at the time? I don't think so.
But, on the other hand, there's the convenience of the Prime Directive when obtaining resources from non-Federation worlds
that use, in effect, slaves** to do the mining. Perhaps they can rely on a few tames philosophers to argue that working in the mines, and banished from the civilised life available only in the orbiting/flying cities, is simply self-improvement encouraged by those living permanently above.
The problem seems to be that the whole "we don't use money" was never thought through properly and is simply a mixture of:
- simply missing out the bit where people pay for what they've consumed (even in, say, bars away from the ship);
- slogans about money not being needed;
- slogans about how the Federation is now more civilised, "just because";
- very poor continuity, so that activities are present where the last thing the participants are doing is "improving" themselves.
Items (1) and (4) conveniently -- not really (I mentioned him earlier for a reason) -- bring me back to Cyrano Jones. Why was the bartender so keen that Jones not simply help himself to drink? Jones was far less disruptive a "customer" than the members of the crews of the Enterprise and the Klingon ship. Jones never seemed to be drunk (one reason bartenders sometimes refuse to serve customers even when they have the means to pay for their drinks). Jones very expertly avoided being drawn into a fight (unlike
everyone else in the bar). Perhaps Jones hadn't set up a tab; perhaps the Enterprise and the Klingons had each set up a tab.... No, it can't be that: there's no money, so it can't be involved.
** - Speaking of which.... Isn't it convenient how Risians, the residents of Risa, "are extremely open and will freely share their planet, and even themselves, with vacationers"? Tourists there don't even have to hand out beads to get what they want.... The whole thing is rather... er... risible. (Note that Risa is the Risians' home world; Risians are not people who've moved there to "improve themselves" by being perfect hosts.)