Ok, this is REALLY getting me mad.

I want to play a good MMORPG! BUT!!! I have a few problems..

I want to play FFXI! I can get it for PS2 or PC, BUT my parents wont use their credit cards for monthly fees and there are no time cards!

I want to play WoW! But My computer would run the game quite badly and it'd cost quite a bit for upgrades! The good part of WoW is, is that they have time cards, so I don't have to worry about credit cards!

Alright, I'm 14 years old and I make $60 a week from landscaping. Can someone please suggest a new game or help me on my MMORPG wanting needs?! Thank you.