If you want something big, you queue up at an industrial replicator. (Source: an assertion in another SFF answer.)
The implication is that if you want a large material good — yacht? starship? large building? — then you can get it for free, with the only cost being time (that is, the time spent standing in line at an industrial replicator).
Is there canon support for this? If no, what is canon evidence for how an average Earthling (in Picard's time) would be able to satisfy a random craving for a large complicated material object/construction?