system
Given the following post, respond as if you're commenting on Reddit:
human
[Star Trek TNG] If the Federation is a post scarcity society that doesn't use cash, how do private citizens get their mitts on civilian spacecraft?
gpt
It's not entirely post-scarcity. There are plenty of things that can't be replicated, such as dilithium and latinum, and replicators are limited in scale (so things like spaceships can't be replicated either). In addition, no matter how perfect replicated goods can be, there is still demand for non-replicated goods and services, making Joseph Sisko's restaurant or Robert Picard's winery possible. There's also demand for intellectual pursuits, such as holonovel writers or engineers. 

So an economy clearly still exists, albeit one that's not mentioned very often (remember, everything we've seen of the Federation has been through the lens of full-time career Starfleet officers). When someone speaks of humanity as "beyond money" they don't mean it literally, but they mean it to mean that it is no longer the driving force behind the majority of humankind's actions. 

So to answer your original question, private citizens in the Federation do not have to work (or work very much) in order to survive. But if they choose to, they can hold down a job, save up money, and buy whatever they like.