I know OP said they would go talk to their neighbor but I just wanted to add an anecdote. I worked at a place that had a bunch of trailers, and it wasn’t uncommon for someone to need a vehicle and just leave the trailer in the parking lot. One time someone didn’t secure it and it started to roll. A new guy who was trying to be the hero went to stop it and got his thumb crushed between the trailer and a steel beam of a pavilion. He ended up loosing his thumb. So yeah, chock your trailers and don’t try to catch a run away one.
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.