The Culture is about a post-capitalist utopia. You’re describing yet another cyberpunk-esque world where people have still have to do wage-labor to not starve.
You’re right so I made a slight edit to separate my two ideas. Thanks for even reading them at all! I try to contribute positively to this site when I can, and riffing on the overlap between fiction and real-life — a la Doctorow — seems like a good way to be curious.