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Player-run Farms and Lumberyards will be POIs, I think.
The explanation given by the developers is that when we enter the world, we only see ourselves, the elite adventurers, gatherers, and craft foremen. In the background, there is a multitude of 'small folk' keeping our settlements running (manning the auction house, doing the actual crafting, etc).
These small folk will be more noticeable, though still invisible and abstracted, when the War of Towers ends and settlements start dealing with Development Indices. One of the resources is Bulk Food used to feed them and grow the population.