The important thing to keep in mind is that value is determined by an object or skill/task's desirability. The current system is designed to compel people to accept working tasks well below their value. The studies done have shown that managers who streamline a factory floor will then use those gains to pad their office staff (because being a manager over more people is better) with people who have nothing better to do than make cat memes all day (and justify the $400,000 student loans they still have to pay back with a comparably sized paycheck).
Ultimately, a "stable tomorrow" looks very different from today. People who own property and have few bills will not be willing to perform work that is undervalued, but will also be able to place a far lower PRICE on that work, as their cost of living is lower. Average pay goes down, but people are largely just paying for their utilities and food - there may even be a shift back toward sustenance gardening/farming, which would further shift how we live.
Many communities in Europe prior to World War 2 were somewhat communal. In small groups who stick together, people do gravitate toward a "i scratch your back and you scratch mine" sort of structure. There were community gardens, tool/workshops, bakeries, and community meals/feasts were rather common. This doesn't really scale as well to city life, but we could see many suburbs and rural areas default back to this very quickly. Many things people currently pay for would become part of the local community economy, where "social credit" systems can work within the Dunbar layering of our species (worth looking up - Dunbar Layers). All of this becomes radically amplified by the internet and today's automated manufacturing and "printing." A community could easily, with the trades within, afford to automate large parts of a hydroponics setup or to build the machinery necessary to produce textiles, electronics, etc.
For dealing with those outside the "tribe" - there is money. These are purchasing hard resources. Steel will almost always be more practical to purchase as a bulk refined resource. Aluminum - the same. Specialties are sure to arise within each community that appeals to its natural resources or historic skill set.
Depending on the local population density, what this "community" becomes may differ. It may literally be small towns, in some cases. In others, it may be residential subdivisions. In more urban areas, it may be social clubs or residential complexes. More dense populations have more need of money to deal with the lack of social credit tracking. We can't process that many people, and need money to faithfully execute/negotiate transactions, many of which will be things that those from more sparse communities generate on their own. Task specialization means greater efficiency, but also means greater dependence for other resources.
Depending on how that all pans out, we could see a massive collapse of most urban areas as people find them not worth the stress next to the gains in "3d printing" - while some things will always need factory settings to make, it is possible many would become redundant. Why make billions of plastic forks when the metal ones made at the 3d printer will last nearly forever and meal cleanup can be automated?
What will be worth producing in a factory and what will be made by micro-fabs will be up to the proverbial market - and I have long argued that human beings are not meant to live in cities. I believe they will ultimately migrate out of them once the technological advancements made recently take hold, spare for a few cases here and there. But it is a belief I am curious to see tested against the history of the future.