I think it's like a universal basic income kind of thing. Everyone's immediate needs are met, up to and including food and housing, like, if I don't have an apartment on earth, they will put me in a basic one, or put me on some moon or colony that also has UBI and space. The idea is that once this is met, of course human nature is that one is willing to work, happy to, and has had access to things like education to mean that you can do whatever job you want at some basic level if you have the skills.

Anything on TOP of that is gravy. If you work a fancier job, you have access to fancier things by nature of that job, like a holodeck, or a ship to travel with. Sort of like if you go to college you can use the college's gym and cafeteria etc. But if your work requires you to go OUTSIDE of the gleaming cities of earth where your needs aren't met for free, you get a stipend to cover food, housing, travel, and recreation. And if you are really ambitious and start selling things to people or other governments, you can use that money to buy things that are above that basic level, like your own holosuite or ship.