I don't like monthly fees, but there are good freeware MMOs out there. Rune scape is pretty good so far, if you don't care about grafics. That would be my suggestion if you really want an MMO without fees (they have extra content if you join.

The reason I don't like fees is that it creates an OBLIGATION in some ways. You pay $20 a month, and therefore to get that money back you MUST play many hours per month just to get your money back. so $20 would be slightly under an hour a day, but if you're only free (say because you're a working college student with homework) for a few hours at night, you may not want to spend one of those hours playing an MMO when you could be out on dates or playing soccer or whatever else. FFX and other offline games don't do that. I already own the disk and I can play it as much or as little as I want. I can leave the game unplayed for six months and not worry about paying so my save isn't deleted etc.