No, really?

Just another German trekker: Some passages in the movie seem to indicate that there’s still some kind of monetary economy in the Star Trek Universe. How else could, for example, McCoy have “nowhere else to go” after his divorce?
Have you been aware of the fact that mainly this plot point (along with other, less crucial, ones) couldn’t withstand close examination given the fact that there is no money in the Star Trek Universe? (I mean: He’s a [physician] - how could he NOT be of service on earth?)

BobOrci: And Kirk offers to pay for Uhura’s drink at the bar, There’s money, or some kind of credit system in this universe.

Source

Come on, is that the only answer we're going to get on this? "Oh, there's money in this universe"? WHY is there money in this universe? Since that's something that really shouldn't have been effected by Nero's interruption/destruction of the known timeline if the change only effected things from the day the Kelvin was destroyed onward. Unless things have rippled all the way back to First Contact and changed everything... In which case, Enterprise isn't even canon anymore as it was (Not that I would really mind that because I hated Enterprise and thought that they did a lot of really cracky, inconsistent things with that series. For example, T'Pol experiencing pon farr because oh, female Vulcans go through that too? Uh, no they don't! Everything we ever had about Vulcan physiology in TOS and Voyager indicates that pon farr was something male Vulcans had to deal with, not female. The females generally just had to deal with being mauled by their husbands for an indeterminate amount of time every seven years until the males got it out of their systems. The writers were obviously just lazy about coming up with a reason T'Pol and Tucker would be getting it on. Fail, writers, fail.)...

We do know that there was some kind of credit system in the Prime universe (that's what I'm going to call the original timeline until given a better name for it), but it wasn't money as we know it today. The first thing that comes to mind is that the Ferengi have gold-pressed Latinum. And obviously, Starfleet personnel sometimes buy things from them... (I'm thinking specifically of Quark's dealing with Harry Kim in ST: Voyager episode "The Caretaker" here, and Harry would have been able to pay him had they struck a deal, so obviously there's some way to exchange their Starfleet credits for Latinum.) But I don't remember anything that is ever really clear on the subject. I hope in subsequent movies, this ambiguity is cleared up somewhat and that we DON'T see someone whip out their VISA card! 'Cuz that would be so ridiculous and upset me greatly (and I know I wouldn't be the only one)! I think something like that would be far more ridiculous than the presence of "Bud Classic" and "Nokia" in this universe. And those product placements were bad enough. (In ST: First Contact, we saw that human society as we know it in the present completely broke down during the 21st century. Knowing that, I have a very difficult time as it is buying that major multinational corporations would survive such economic upheaval to still be doing business in the 23rd century, and I'm not sure what the writers could tell me to make me buy that the corporations are still operating in Star Trek XI's present)...

I just don't like Roberto Orci and Alex Kurtzman's answer to this question.