Yonder: The Cloud Catcher Chronicles … but with the caveats that a) it’s only PARTLY like stardew/portia/harvestmoon and b) For the life of me I can’t remember if the game had money or not.
The game is partly farm-life-sim, but the other part is “zelda-like” adventuring and getting rid of “dark smoke thing” that does bad things to the world.
Both seem reasonable. The banning is (AFAIK) mostly to prevent cheaters from making made-up familymember steam -accounts, and cheating in games as them. Once one made-up family member is banned, make another.