It sounds to me like they we were going for more of a realistic future than a utopia. The money free utopia thing never seemed that important, I suspect it’s only used in later shows for consistency with TOS. It’s far more important to trek to criticize and reflect modern society, which is a lot harder to do if your characters are living in a utopia. I haven’t seen Picard yet though, so I’m just extrapolating from your description.
It sounds to me like they we were going for more of a realistic future than a utopia. The money free utopia thing never seemed that important, I suspect it’s only used in later shows for consistency with TOS. It’s far more important to trek to criticize and reflect modern society, which is a lot harder to do if your characters are living in a utopia. I haven’t seen Picard yet though, so I’m just extrapolating from your description.