I suspect this isn’t covered for a variety of reasons, but what we do see shows an Earth steeped in nostalgia blending with technology that alleviates the overwhelming majority of material concerns. No one needs to worry about food, shelter, clothing, or profit. They work to better themselves for its own sake and they relax and stuff.
I think the message is that Earth is boring and humans, having created paradise, left it for knowledge of the stars. Civilian life is coffee and breakfast in the morning before dropping the kids off at school, plenty of time to pursue niche hobbies, and probably also time to pursue some career interest and education.
However, you raise an interesting point in that civilians from the perspective of Starfleet officers are even more out there. These are folks who often wanted to go even further than the rest of society wanted to go. Fringe people with eccentricities to un civilized to stay within the Federation. The intersection of these two kinds of civilians is what I would like to explore.
A happy family who have lived in paradise are suddenly Swiss Family Robinson or Lost in Space style thrust into deep space and must survive without the comforts of paradise would be an interesting way to tell the story of what it’s like to be a civilian in the Federation.
I mean let’s be clear for most of Ferengi history women were not allowed to own property of any kind - including clothing and some of their business endeavors include poaching endangered animals and literally being slave traders. I mean - I don’t think there’s any indication that Ferengi society was anything more than hyper-capitalist dystopia as a juxtaposition of the Federation socialist utopia. That Rom and Quark are goofy and lovable I think speaks more to how bad every other Ferengi is operating outside of a Federation station.
From the Federation’s perspective the Ferengi are harmless and in this way they may be ethical enough to not warrant confrontation, but at the same time - the Federation does seem to stop them when they’re doing something like slave trading so I think we can imagine that for some people in the sphere of Ferengi influence they’re not so ethical.