So no one told you life is gonna be this way...
This challenge isn't kinda of Mary Sue tale. It's... something very, very unlucky happens to you.
One day you find yourself somewhere in your Game (even in front of the house created by you) You know nobody, you own nothing here, your boss is probably somewhere outta the computer, your purse(whatever filled with dollars,pounds or else) are only a pack of worthless paper and plastic cards now. One thing is clear: YOU ARE NOT THE POWERFUL PLAYER ANYMORE!
But life continues anyway...
Preparation: Create a sim just like you, with clothes that you wear every day, your personality, a voice familiar to you, etc.
Than buy a empty land (the smallest and remotest that nobody notice), and SET YOUR FUND TO ZERO(via cheats, master controller or anything else ).
Rule:
As the challenge begin, "you" are only a Sim, so no cheats anymore(Reset Sim is still allowed). Also "you" are not the player anymore, so NO CONTROLLING OTHER SIM even "you" move in their family(Use "NPC at home" command if you have the master controller ). That means you cannot click on their icon, but can still "command" and "ask" them to do things.
The first week will be tough, you may try anyway to get money, food and a place to rest. Pick up and sell seeds and flowers in the park, writing in the library, or start a job from the beginning to earn money and build up your home(maybe only have three wall and an ugly free roof ) 'You' may meet different sims(even created by you), make friends, fall in love and even have your own family later.
Life is meaningful anyway, anywhere.
While your character die, calculate the score
-Each friend, +10
-Each enemy,+5
-Each Machi,+20
-Each Girl/Boy friend,+15
-Each marriage,+25
-Each child, +20
-Each Grand child, +25
-Natural death, +25
-Family Found × 0.005, and Lifetime point*0.01
-An EXTRA "Realistic" bonus of 150,requires:
No "Click and Drag" (etc. Drag the dish to the fridge, drag the rubbish to the bin) in the whole process ,do all the stuff by "yourself", and sell your stuff via appointed to sell stores only.

Enjoy playing

This sounds fun

Sounds good :D