Members of the Federation still traded with the "less advanced races" (that's racist, trigger warning) like the Ferengi (spelling?, trigger warning). Don't you remember the roll-up keyboard that Picard marveled over - and paid for? And Vash (spelling?, no trigger warning - minor character) who sold artifacts that she pilfered from "less advanced races." My point is that even now people still accumulate wealth for things that are not necessary - and someone will always build a better mousetrap.