Earthquakes and other major natural disasters, that destroy towns and even change the landscape. Giant volcanoes spew lava and major ocean storms flood your town leaving debris and damage everywhere. Ice storms that freeze the town making is slick and destroying power. Temperature matters and hot days or cold days you can only be outside for a small amount of time. Only through paying bells and making defenses can help protect your town, downside is you have to do the work building it. As Tom nook as your boss, and if you don’t work fast enough he charges you extra. Micro transactions and dlc to protect your town and keep it stable enough to actually build quickly. Reading all these suggestions from everyone makes me hope things like this are never added lol