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https://en.wikipedia.org/wiki/Hardwar_(video_game) Hardwar had a bit of that, only saw peoples vehicles but it had a simulated economy that could be screwed up by blowing up too many cargoships. Edit: Uhhh... apparently its now on steam. https://store.steampowered.com/app/1500540/Hardwar/
Basically I don't think you'll find any other first person games in this vein. Your best bets are thus, as follows:
Deus Ex: Human Revolution (and Mankind Divided). These are immersive sims, not life sims. Two of the finest games ever made. FPS, heavily story focused but with plenty of sidequests. Both of them have 2ish smaller scale open worlds, with tons of places to explore and quests to do in between main story missions. Those missions, btw, are so big and complex that there's even sidequests within these smaller missions. These are really the only first person games i can think of for what you like.
Va-11 Hall-A is absolutely fantastic atmospherically, it's a very similar vibe to this game but more cyberpunk. Story and characters are great, but gameplay largely consists of doing puzzles to mix drinks and balance your budget, while also managing your friendships. It's kind of like the opposite game of Shadows of Doubt, while nailing a very similar vibe.
The Good Life is a third person life sim, you play as a specific character who is a photographer but has to do all kinds of jobs to make a living. Also, you can turn into a cat or dog, just thought i'd mention that because its funny. Pretty good game.
Crusader Kings 3 is the best life sim out there: for playing a medieval nobility. Definitely gonna need the dlc for it to get all the fun character moments. What's especially good about CK3 is that, like Ck2, it has tons of mods, and many of them add even more character interaction. You can live some wacky lives in that game. One time I started off as one of several sons owning small provinces from a larger empire, and the family ended up splitting into groups of the sons allied against each other. Murder, kidnapping, and betrayal happened, but also all our underlings and theirs were always scheming or changing sides and so on. It makes for the best GOT-type ruling sim ever made.
Sims 3. Mainly because its much cheaper to get all the important DLC than sims 4, and otherwise is barely different. Either game will still cost you an absolutely disgusting amount of money to get everything, which is why probably half the playerbase just Sails the High Seas. They're obviously the gold standard for modern day life sims. Personally I feel they're too abstracted: I'd like it a lot more if there was more complex interpersonal relations instead of just spamming joke + talk + joke for an hour to become best friends. HOWEVER, thats where sims mods come in. Sims mods are... insane. There's hundreds of thousands of them. You can basically add in any feature and any complexity you wish.
Sadly, none of these are quite what you're looking for, but hopefully something can scratch the itch.
Not out yet, but I have been having the same itch for life sims as you. This one is looking promising
I had no idea 2 was on the way, 1 was already such a fun game, be fun to see how dev expands on it.
Pathologic 1 / 2 like another comment said do actually boast a lot of the same qualities, though they are quite slow burners of games.
It's not a 1 to 1 either, but Wildermyth might sing your tune.
https://store.steampowered.com/app/763890/Wildermyth/
You take a few heroes, typically nobody farmers, who rally together under a cause of stopping some looming mythical threat. The idea is that over the course of the story, the heroes change pretty drastically. The quests they go on, the situations they find themselves in, and what happens to their friends around them can influence them. There's far more jarring events too, such as mortal injuries or magical transformations.
The art style is drawn up like a picture book. You're typically given choices for how your heroes will react to situations, though unless it's really important the game won't tell you what the consequences will be. Sometimes they're minor, like less armor in the upcoming fight, and sometimes they're major, like your character growing a toad head.
What kinds of reactions the events have, and even what kinds of events you can even run into, depend on the personality of the heroes in your party. Even if an event rolls up twice to the same people, the way they talk is generally different each time, since it's based on personality too.
The actual game is similar to something like fire emblem, advance wars, or that one DnD video game (though less in depth). Move around on a grid, use standard attacks and/or abilities to take out the enemies/defend objectives/escape the area. But there's a lot of reading of stories and peeking into the lives of your heroes and those affected by the calamity and other events.
A major note is that the game doesn't go on forever. There's a set continental area to defend, and a set threat to take out. Once the threat is down, everyone retires and goes home.
There's a legacy system where you can record your favorite heroes and bump into them randomly in any campaign, or explicitly start with them in certain campaigns, but every threat has an end.
https://store.steampowered.com/app/396680/Sol_Trader/