Lots of great advice. A quick fix for people that don't log in and get money from the game is just that. If you don't log in during the 24 hour period and do something, than you don't get any money for that day.
I would think that is something quick and easy to implement for the drugs problem.
Unfortunately, the problem here is that it's really easy to "log in" with a script. With the click of a button and some javascript, said script can theoretically invest drugs into the heist on thousands of accounts. These bots are taking zero risk, and they don't have to because the current system rewards their exploitative behavior. Dead accounts are less of a problem, but I like that you're thinking about solutions.