I feel like the best you could possibly find is a game that uses a resource as payment that isn't called "money," but mechanically it would be the same.

But there is Minecraft. You can farm in that and you don't need money (even though it exists in the form mentioned above). Or Project Zomboid which money exists as money but is only useful as toilet paper.

I long for a moneyless, classless game in this genre where the incentives are community thriving, trust, pleasure, and all the other aspects that make life worth worth living outside of capitalism.

I think Sim Ant technically meets these conditions.

I think you want Roots of Pacha.

Contribution is a currency used in Roots of Pacha. When the player donates food or supplies to the clan, contribution points are awarded as acknowledgement of their efforts.

Contribution points must be expended to develop ideas. Certain clan members have items for trade in exchange for points, as well.

Items are donated by placing them in the contribution bin, found just north of the bonfire. Donated items may be viewed and retrieved until the end of the day. The value of the contributions is tallied overnight and the bin is emptied for the next day.

It's not just a rename of money, it's more like your social renown in the village, like how much people respect you because of your contributions, and you use it mostly to choose what improvement project you want to build next in the village.

the incentives are community thriving, trust, pleasure, and all the other aspects that make life worth worth living outside of capitalism

I think technically Frostpunk is this, but it's probably not what you mean.

Not exactly moneyless but imagine quality of life improvements for Stardew Valley. That's "Fields of Mistria".

You may be interested in Aska. It asks the question "what if valheim was also a colony sim?". It's a bit less chill then Stardew/Portia, but it is a classless, moneyless community building game.

There is even a Star Trek-ish game where you have to produce to earn money to upgrade the ship for your crew. I get that it is a game mechanic, but seems like a perfect setting to not have money, and just concentrate on the people.

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.

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.

you might like Moonglow Bay! it's not moneyless but the rest is all that

(also it's a fishing game with boss battles)

Papers Please