The vast majority of street parking is free, but there never seem to be enough spots.
So add off-street parking in multi-story parking garages and have a fee on that.
goes looking
https://www.bestparking.com/new-york-ny-parking/neighborhoods/new-york-city-parking/
It looks like there is pretty decent multistory parking garage coverage in Manhattan. It's just not free
it's actually pretty pricy, as parking garage rates go
and the street parking is. Unless there are zoning restrictions preventing construction of more of it, though I mean...that's probably just part of driving in a very-high-density city.
UnReal World? It's never really grabbed me when I've tried it, personally, but it might be up your alley.
Kenshi has a pretty difficult start, though it gets easier later in the game. I don't think that it's as complex.
Cataclysm: Dark Days Ahead is quite complex and has a very steep learning curve, with a lot of hidden stats and the like and limited documentation.