No, it isn't like that. There are simple quest givers who hand out dumb quests. Fetch quests, go-n-kill quests, etc. These are there just to give you moderate equipment and level your character.

To get the high-end gear, you gather a party and go on a raid against a boss. Then there is a random drop of premium or epic quality and a bunch of other loot.

If you are raiding with a bunch of friends, you work out ahead of time who gets the top drop.

If you are raiding with strangers, usually someone is an asshole, grabs the premium drop, and quits the party, even if he barely helped in the fight.

I imagine a real-time game with a beginning safe area to learn the game before the players go out into a huge uncontrolled area. Players tame an area, mark it as their own, and travel back to the starting area to claim it. Return and level it up into settlements. Players attempt to attract NPCs and other players to their settlement. The leader chooses other players, or AI controlled NPCs as a council to help manage area. Owning a settlement, or being part of the council generates constant income. Of course you need that income to manage the settlement also.

Players might join existing settlements to grow their levels before trying to claim their own area.

As a settlement grow, mobs in the area become more hostile. The leader can't deal with this themselves, so they make quests for other players to complete for extra exp, gifts or boons from the leader.

All the while, there is invisible story-telling sprites all over the map. If these sprites witness a player do something, it gets written down. The logs are reviewed (by a human or AI) and the story is written.

Not an AI generated game, but maybe an AI guided game. MMOs seem too limited to me. I mean the ones I played, sure there is a story, but it's telling the same story to every single player. Every single player gets the same exact quest. It doesn't make sense, even from a storytelling point of view.

I mean, BobHardcheese, ZhaoMadguns, PolinaFireMaiden, and XxXxXYourMamaTastesLikeChickenXxXxX all walk up to the same quest giver, who ask them to fetch her 5 mountain goblin kidneys or whatever. Eventually that she'd have tens of thousands of goblin kidneys, right? And we're expect to completely ignore that, because game logic.

You could try some audiobooks about meditation. Meditation is mostly about mental discipline -- calming and quieting all the thoughts that keep distracting us.

I should probably do that myself.

EDIT: TL/DR Have you tried white noise?

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I won't go into to details, but I have a problem with filtering out sound at times. It's as if my lizard-brain just gives up and says, "Okay, here is all the sound around you. You figure out what is important."

Earplugs don't work for me. It just makes it feel like I have extra-pressure in head, like a head cold. And every sound inside my body is amplified. Walking, chewing, breathing . ugh.

When I need to concentrate, and there are too many noises in the environment, I found I can use white noise. I found a good white noise generator at Amazon for under $30US. It produces a dozen or so different tones, and they don't have immediately recognizable repeatable pattern. That turned out to be important to me, because finding a pattern in the "white noise" was also distracting.

There are lots of white noise generators around. Alexa has many, for example. There are web sites that generate them too. Some are free, some charge. You need to be careful around some web sites tho.

I mean, if it says its "free" but insists i t needs to install some "free software" just to play a sound for you, it is probably loading viruses, worms, or other malware instead. A web page is easily able to produce a sound without adding more to your computer.