Inventory full of cobble and iron tools…

“we gotta build that ICBM to kill the dragon!”

I love Minecraft. :P

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.