@Rainydayz179 - I don't care what the people with whom you associate think any more than I care what the people with whom I associate think. ;)
On the inactive households and their lives, I use NRaas SP Money and its Unified Billing together with graduated income/property taxes and misc fees to ensure that they are all being taxed appropriately. Courtesy of what is currently the beta testing version of NRaas GoHere, I also charge entry fees at the door/gate for most venues -- obviously not the municipal ones, the Public Library is always free, or those where the sim is supposed to be shopping anyway like grocery and book stores, but the venues and even some of the parks. It's very difficult, although not impossible, for the inactives to rise up in the world in my game but it's not happening automatically either as in a modless game where inactives don't have to pay bills at all.
It's also kind to help out the others in town if your household has millions that really aren't getting put to better use, but sometimes it really isn't. If an inactive household that is only making just enough to get by and maybe save a little here and there on their own suddenly finds themselves the owners of exorbitantly expensive hot tubs, appliances, and electronics, to the point where they cannot afford their property tax bills, and these are things they cannot sell as they aren't personal inventory items, then they will have to move (by way of SP) to a house that they can better afford and sustain. >:)
Usually I go for the kindness thing, though. I love playing around with an entire town to see what kinds of impact I can have even if I never have any intention of making all 200+ residents in it actively played.