You could start with the idea that the Monopoly game is a training exercise created by a powerful ninja. The players have to not only win the game but also learn valuable ninja skills along the way. For example, if they pass 'Go', they gain a new jutsu instead of just getting money.
A unique plot could be that the Monopoly board is actually a magical artifact that has been cursed. The characters are forced to play the game to break the curse. But as they play, they realize that the properties on the board represent different aspects of their own lives or past traumas. They have to face these issues while competing in the game. In this way, it combines the fun of Monopoly with the emotional depth of the Naruto characters.
One way to create a unique plot is to make the Monopoly game a battle for the future of the ninja world. Each property represents a different clan or village's power source. If a player loses all their properties, their corresponding clan or village in the Naruto world will lose its power. So the characters are not just playing for fun but for the survival and balance of the entire ninja universe. This adds high stakes and a sense of urgency to the fanfiction.
Chapter 345, "Luo Ming, Mirror Valley Defense Commander, Beast Tide, Great Xia's 6 Armies", is the clearest early answer because it turns Redwood Ridge's situation into a concrete plot event. A useful checkpoint is the way the scene starts with Great Xia, Year Seven, September Ninth, the latter half of the night... and follows through with In the first half of last year, Li Baihe, Xu Kang, and Shang Ping....
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Chapter 281, "Zhao Lang, Are You Willing to Take a Gamble?", is the clearest early answer because it turns Gamble's situation into a concrete plot event.
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