Your response is fantastic. I would suggest you post some suggestions on how to improve this particular problem other than NCZ. I would happily +1 any of your good ideas. How do you suggest we improve the quiz? I haven't taken the quiz in a long time so I do not know where it currently stands.
I agree with your first paragraph here, what some of these mafias/gangs lack is the planning aspect. Not even just the farmers but let's say they want to rob a store, develop a plan, roleplay an exit route and maybe a change of cars; this would provide further roleplay instead of just turning up and robbing hte place.
I love your 10% idea, I have experienced this myself before playing on GTA V communities (in Arma 3) and it was really fun.