I believe there is not enough to do as a civilian, all you can really do is work, I understand there are events which are cool but maybe make some more general activities for people to do, for example, paintball, art galleries and just other activities that the community would like to see as I believe that would boost enjoyment of being a normal civilian. Maybe make use of part of the pier and let people setup stalls to sell things or host their own movie events or anything people would like. Even a burger/food diner
somewhere in town as it would be another civilian way to make money if players worked in there.
Also, for criminal activities maybe add more interactive ideas like running oxy to locals/selling weed to random locals or bigger things like Jewelry store robberies and house robberies.