the economy of the Federation is post scarcity though, eliminating the need for currency altogether. they have essentially limitless ability to generate power, and have fully mastered the relationships between matter and energy
plus you can't really compare digital copies to the kind of wholesale energy-to-matter stuff that a replicator does
Doesn't matter. Someone created the object they replicate. Say someone designs a bike. Should the designer not get credit for his design in some form? This is greed and it will always exist.
Basically people would replicate iphones and apple wouldn't like that. They made iphone, they deserve to be rich!