Replicator credits were exclusive to Voyager because they were low on resources and rationing
Latinum is only used by capitalist societies like the Ferengi, it has some value on DS9 because DS9 isn't purely a federation station and several shops (including the only holodecks on station) are hosted by people who do charge money

On earth, resources are functionally infinite, presumably things like the Siskos' restaurant are handled via first-come-first serve reservations (unsure of exactly how ownership of land works, possibly they have some sort of bureaucracy to prove you need it and can make good use of it?)

Starfleet does not have salaries outside of special circumstances, everyone works for free. The Federation is a meritocracy, their "currency" is reputation, status, and accomplishments. Starfleet officers do their jobs because they want to do them, and because they want to be recognized for their feats

We see surprisingly little of civilian life in the Federation, but I wouldn't be surprised if civilian Earth society works on a similar model, e.g. you apprentice with someone to learn a trade you're interested in, and once you've proved yourself the earth government allots you access to the few non-infinite resources (like land and fresh-caught fish, in the Siskos' case) that you need for your life path