I was able to work out a temporary solution for these errors that were breaking player's brand new games started in empty worlds when the rules require that the town be built slowly from the gound up.Thanks to suggestions from Chain and Igazor I managed to combine their ideas into a workable solution for the types of game some of us like to play.
I got the idea of having chess tables and martial arts equipment be restricted with unlock requirements and having unlocking adding new households being added to the town as contributing to unlocking the restricted items so they can be eventually added to the game.I've got the requirements listed in my apocalypse challenge rules so far in WordPad.