ST: Generations, DISCO s5e10 "Life Itself," and SNW s1e1 "Strange New Worlds"
this post was submitted on 30 May 2025
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DS9 is probably the closest we got to really investigating federation economics. At some point Sisko warns Quark that if he stops being on the Federation's good side, hell make him start paying for rent and utilities again. So they have some concept of converting "time and effort" into "credit". The star fleet officers all have latinum to spend at Quarks, and Quark complains on several occasions that business gets slow when Starfleet stops visiting his bar, so he's definitely getting paid.
My assumption is that officers are given an allowance or extended credit for interactions with other cultures, and that allowance/credit is either a higher number or simply "more lax" the higher rank you are. Want to "expense" a holosuite visit at Quarks with Starfleet, you'll have to explain yourself less the higher rank you are. Kind of like "unlimited PTO" at big tech companies.
Like, an ensign might request a cabin in the woods from the cabin logistics department, but they'll be in line behind all the captains, whereas an admiral would be able to jump the line.
This question came up a lot in DaystromInstitute.
The general headcanon is that rent, access to the stations grid and crew for maintenance is credited at fair market value for officers to use at Quarks. Plus having a steady stream of Starfleet or Bajoran officers there would deter general crime and ruckus, much like why gas stations tend to offer free coffee for cops.