Risa

My point was that the way the economy is portrayed is such that we don’t get to see much of how it actually works, meaning that a lot of our understanding is speculation based on a handful of lines.

For sure, and it is rather frustrating. But it makes sense that they don't outright explain the details, as it would just cause lots of people to complain.

The wildcard here is that we see Federation worlds that seem to still use money, namely the Bolians who are members of the Federation, but the Bank of Bolias is a major financial institution.

It also might be a planet to planet thing. Like, imagine if a ferengi colony world broke off and asked to join the federation? They would undoubtetly keep their currency. It would just be a question of whether or not it is seen as a dealbreaker for the federation. I'd wager it wouldn't be, so long as said ferengi colony keeps to the "every one treated equal, with dignity, and sufficiently provided for" philosophy of the typical federation world.

It seems that replicators are not essential to eliminating money in the Trek universe, although I’m sure they’re a boon to the standards of living.

Yeah, that is a common theme that I've heard as well. If we had replicators in today's world, it would only be for the rich, and even if it came down in cost it would still never be free to get one or operate. The philosophy of society itself has to change to agree to make sure everybody is housed, fed, and cared for sufficiently. Without that step, replicators aren't going to do anything to get us to a post scarcity world.