The first games that popped into my head were Forager and Outpath, though these arent so much community building type games. They are more just something cute to relax to. They have farming and resource collecting and honestly play more like an active idler game than anything. Another game ive sunk tons of time into that kinda meets your requirements is Banished. Its just a medieval city builder game but it is deceptively hard to get a good balanced town going which can be pretty rewarding in itself. Theres no money per se but you do have to manage resources. Theres bartering in the game but you use your resources like crops and stone and stuff.

It’s a reference to an old Reddit post where somebody had the same situation I did where they met someone yand fell in love and had long and happy life until they started noticing a lamp in their living room that sidn’t look right. Drove them crazy in this dream and eventually forced them to wake up. I’m on mobile and can’t find original post ATM but that’s the jist.

I met, fell in love, got married, bought a house, started a family and grew old together with a woman i met in my dreams. In one night, i lived a lifetime. It was so super realistic that I woke up devastated that it was a dream. It took me weeks to stop thinking about it constantly throughout the day, and even to this day I still think about it occasionally going on 15 years later.