laxu

That’s basically Saints Row 4.

This fits OP’s description perfectly. Great game. It’s on PS+ if you play on Playstation 4 or 5.

Plus there would always be griefers who just want to ruin other people’s game because the repercussions are at most a bit of money (if they get banned and have to buy a new copy of the game), rather than incarceration, bodily harm, or death in the real world.

Something like RDR2 but focused on the life sim part. Instead of narrative driven game where your main action in the world is violence, go all in on the simulation part with actually working economics, job choices etc.

I want to be a lumberjack hauling wood to the local mill via the river, not a bandit robbing every passer by. Also, I should be able to buy high heels from the big city store.