Of the five television series, four of them dealt mainly with Starfleet personnel and their dependents. The other one, Deep Space Nine, featured civilian business owners, mainly a restaurateur and a tailor. Aside from their extracurricular activities, both of them provided something handmade in an era of perfect replication. There is also the question of exchange. In the series, they used something called Latinum, which was used informally, as well as for exchanges that the participants did not want tracked.
Trying to see the world of the 24th century on the Star Trek series would be like trying to view the early 21 21st century exclusively through NCIS.