The goal of this paper is to generalize, refine, and improve results on large intersections. We show that if $G$ is a countable abelian group and $\varphi, ψ: G \to G$ are homomorphisms such that at least two of the three subgroups $\varphi(G)$, $ψ(G)$, and $(ψ-\varphi)(G)$ have finite index in $G$, then $\{\varphi, ψ\}$ has the \emph{large intersections property}. That is, for any ergodic measure preserving system $X=(X,\mathcal{X},μ,(T_g)_{g\in G})$, any $A\in\mathcal{X}$, and any $\varepsilon>0$, the set $$\{g\in G : μ(A\cap T_{\varphi(g)}^{-1} A\cap T_{ψ(g)}^{-1}A)>μ(A)^3-\varepsilon\}$$ is syndetic. Moreover, in the special case where $\varphi(g)=ag$ and $ψ(g)=bg$ for $a,b\in\mathbb{Z}$, we show that we only need one of the groups $aG$, $bG$, or $(b-a)G$ to be of finite index in $G$, and we show that the property fails in general if all three groups are of infinite index. One particularly interesting case is where $G=(\mathbb{Q}_{>0},\cdot)$ and $\varphi(g)=g$, $ψ(g)=g^2$, which leads to a multiplicative version for the large intersection result of Bergelson-Host-Kra. We also completely characterize the pairs of homomorphisms $\varphi,ψ$ that have the large intersections property when $G=\mathbb{Z}^2$. The proofs of our main results rely on analysis of the structure of the \emph{universal characteristic factor} for the multiple ergodic averages $$\frac{1}{|Φ_N|} \sum_{g\in Φ_N}T_{\varphi(g)}f_1\cdot T_{ψ(g)} f_2.$$ In the case where $G$ is finitely-generated, the characteristic factor for such averages is the \emph{Kronecker factor}. In this paper, we study actions of groups that are not necessarily finitely-generated, showing in particular that by passing to an extension of $X$, one can describe the characteristic factor in terms of the \emph{Conze--Lesigne factor} and the $σ$-algebras of $\varphi(G)$ and $ψ(G)$ invariant functions.