I have such a love/hate relationship with Stardew Valley, slightly less so with My Time At Portia (the developers seem to have at least considered wrist strain in the button layout and mechanics). I long for a moneyless, classless game in this genre where the incentives are community thriving, trust, pleasure, and all the other aspects that make life worth worth living outside of capitalism. Does that game exist?
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 also great without mods. During my first playthrough, a tornado destroyed most of the village, including the school with every child in it. Up until that point, nobody had died. All livestock, all crops, every single house was gone. The only thing that saved the survivors just before the next winter was some fruit I had stored in the dock for future trade. I managed to get them through the following winter and they all lived to die from old age, but the village never recovered from losing the entire next generation. I was only able to stabilize the population; growth ended up being impossible after this disaster.
I love games that are able to organically create stories like this one.