I believe that nearly all of those options already exist in Noobscraft now except for the cobblestone factory. Towns may be expensive, but we are already running into issues where towns are colliding with one another as it is. Plot prices are fairly cheap, not to mention if you want a town just to build a town, you can pick a clear spot in the wilderness and do that for free with the same /grief reporting protection as other players. It would be nice if everyone could afford a town, but if that were the case, there would be no room for any town to expand.