Trekonomics

I was just about to go to sleep and happened to have one of those "HOLY SH!T" ideas that come along now and then!
I think I figured out how the economy of Star Trek might actually work!
Or, at least how it could evolve into something that works.
The writers of the show never explicitly explained how this is supposed to work.
But, there are clues throughout the show.
Okay, in the series & films of Star Trek money has become obsolete by the 22nd Century (at least).
Money is not used in the Federation.
Everything is free.
People work at jobs that they enjoy doing and the rest is automated.
Now, not everyone in the galaxy is this enlightened, of course.
The Ferengi are the ultimate capitalists.
You have to pay fees to enter a person's home, use the toilet, travel, practically EVERYTHING has a price tag on their planet!
So, the Federation has a system of credits that they use for trade with other planets.
If you see something for sale on Ferenginar. You can charge it to your account.
Now, imagine if you could join a club.
Membership in this club gives you a 'Trekkercard'.
It works kinda like PayPal, with bonus points.
You use Trekkercard at an establishment and it deducts the money from your bank or credit card account.
There's no fees or anything.
Okay, now suppose you go to a business and the owner of the business is another member in your club too.
He lets you have what you just bought for free.
No charge.
Trekkercard then just tallies up what you purchased, for accounting and marketing purposes.
But, it doesn't take any money out of your bank account.
If the owner of that business later wants to buy anything from you, you just let him have it for nothing.
It goes on his Trekkercard the same way as yours.
Now, here you have a system in place that incentivises people to give things away, because they get things for free as a result.
They still work at their old jobs.
Because they still need money to pay for things NOT covered by Trekkercard.
But, as more people join the club, more things become free to more people.
It spreads like a virus.
Or open-source software.
Any thoughts about this?
I think I figured out how the economy of Star Trek might actually work!
Or, at least how it could evolve into something that works.
The writers of the show never explicitly explained how this is supposed to work.
But, there are clues throughout the show.
Okay, in the series & films of Star Trek money has become obsolete by the 22nd Century (at least).
Money is not used in the Federation.
Everything is free.
People work at jobs that they enjoy doing and the rest is automated.
Now, not everyone in the galaxy is this enlightened, of course.
The Ferengi are the ultimate capitalists.
You have to pay fees to enter a person's home, use the toilet, travel, practically EVERYTHING has a price tag on their planet!
So, the Federation has a system of credits that they use for trade with other planets.
If you see something for sale on Ferenginar. You can charge it to your account.
Now, imagine if you could join a club.
Membership in this club gives you a 'Trekkercard'.
It works kinda like PayPal, with bonus points.
You use Trekkercard at an establishment and it deducts the money from your bank or credit card account.
There's no fees or anything.
Okay, now suppose you go to a business and the owner of the business is another member in your club too.
He lets you have what you just bought for free.
No charge.
Trekkercard then just tallies up what you purchased, for accounting and marketing purposes.
But, it doesn't take any money out of your bank account.
If the owner of that business later wants to buy anything from you, you just let him have it for nothing.
It goes on his Trekkercard the same way as yours.
Now, here you have a system in place that incentivises people to give things away, because they get things for free as a result.
They still work at their old jobs.
Because they still need money to pay for things NOT covered by Trekkercard.
But, as more people join the club, more things become free to more people.
It spreads like a virus.
Or open-source software.
Any thoughts about this?