United Federation: cashless utopia
Everyone Else: latinum based economy chaos
There's a message there and they rubbed it in with TNG.
I wasn't sure if Star Trek ever really addressed how the replicators affected things. You saw everyone just get whatever they want from the replicator, but they never really addressed what benefits there were for people who chose to work and join Starfleet and such.
I recall O'Brien mentioned that his Mother didn't trust replicated food, but didn't mention how they acquired it or if they had to pay for it (or if ownership of land was at a premium or not).