By ground level, I mean games where the scope is of people on the ground (either an individual PC or party) rather than playing as an abstract nation or political party like in a grand strategy game. So nothing Paradox- or Kremlingames-related (though, Victoria 3 including little things like pop info is a nice touch).

At first, Fallout 4 seemed to fit the bill with its settlement system but it’s still very much within the bounds of capitalism and private property no matter how much I like to think the Minutemen are actually communalists or whatever.