You did forget a few kinds. For example, in the FC category, the "i dont care at all about fcs, i did make a fake one to snatch a house that i can resell for 100 millions on reddit". And in the individuals category "i know very well that when the very few houses, all small ones, remaining will be put on sale i will be at work/school irl. And that when i will launch the game again there will be nothing left for me to buy, despite all the efforts i did make to gather enough gils or how long i have been playing the game".

In short you are way too optimistic in the way you see things, this doesn't fit the reality XD