If there was a such thing as a smart person in this game they wouldnt even go for 100k peds.
These malls are completely and utterly useless, they're only another sad attempt by
MA to get a big sum of money all at once, NONE of which is going back into the system mind you.
Aside from that point, NOBODY uses player shops, nobody. Sure there are a handful of shops by crafters, miners etc. that are used on a regular basis, but other than that every shop is full of crap TT food thats extremely overpriced.
Also, once the malls are sold the shops will probably be so expensive that the people who do own the few good shops wont even bother giving up theirs to buy one in the mall.
At least shops on an LA serve purpose selling ammo or bombs, but there are only a few items ingame worth ever buying, and that usually happens in person to person trading, so a shop has no real point other than giving
MA more money they dont need.