Usage of its or their with the group entity

I am confused between below sentences. I am not sure which one is grammatically correct. Online grammar checking tools such as "grammarly" are not showing any issue with all below sentences.

1 - Nowadays, the urban population is facing many hurdles in their daily lives.

2 - Nowadays, the urban population is facing many hurdles in its daily life.

3 - Nowadays, the urban population are facing many hurdles in their daily lives.

4 - Nowadays, the urban population are facing many hurdles in its daily life.

Solution 1:

You are neglecting to consider humanity's base instinct to anthropomorphize inanimate objects.

Nowadays, the urban population is facing many hurdles in its daily life.

When you use its you are consciously or unconsciously distancing yourself from the subject in that sentence.

Nowadays, the urban population is facing many hurdles in their daily lives.

The their attempts an association at a 'collective whole' (possibly embracing it) which may or may not include yourself but certainly one you recognize.