There's a whole bunch going on they don't talk about. There may not be money, but there's a shit load of cronyism and politics. I can only imagine the classes too. Who decides who gets land? Who gets a ship? Where me how big is your house? How does one get a job they like? There's still gardeners, construction workers, janitors, plumbers, electricians, fast food workers, and everything else. They've got IDs, so something resembling the DMV still exists too. Who wants that job? Crime 100% still exists at all levels and the courts have proven to be less than fair in many episodes.

I'd argue humans and ferengi are super similar except humans are not as outwardly greedy.