They’re not even consistent on that point either. Quark in this episode declares it worthless. In an episode of Voyager a couple of Ferengi are mentioned to have have tried to steal gold reserves from Ft Knox. And in Enterprise sine 22nd century Ferengi (pre-official first contact which was during TNG) raid the ship and are interested in the gold they think is hidden aboard.

Not mentioned in the in the article or interview but DS9 of course also did an episode set in 2024 with no mention of the Eugenics Wars or WW3. Picard did reference its Sanctuary Districts though which was nice.

And yeah this was an issue in the pilot, when Like summarized Earth history. Events spiral from the Second American Civil War into the Eugenics Wars and ultimately World War III.