"It can't get any worse than FFXI"?!?!?!
Three words...
Phantasy ... Star ... Online
Officially? No, it wasn't an MMORPG but an MORPG. (Not "Massive")... But it sure as fuck was TREATED like an MMORPG.
Money wasn't an issue in that game because money could be easily duplicated. Weapons could be hacked. People ran around like crazy, hacking the shit out of each other, and even gained the ability to hack your character, and fuck it up by turning you into a storyline NPC (Called "NOL"ing, because the character's name was a woman journalist named "Nol Rinale") by just simply enabling a hack and sending you their guild card (Which is the equivalent of adding you to their friend's list.)
... FFXI isn't that bad ... Not yet anyway.
Unlike PSO, FFXI actually polices their servers (TO A DEGREE. Not saying they do it well. But atleast GMs are fuckin' THERE). Whereas with PSO, players run around unbound by laws and most complaints sent to Sega / Sonic Team were ignored until they were received En Masse in record numbers.
But, of course, even in my eyes, FFXI does have it's flaws...
Me & my friend were eager to start up FFXI when we first got it, but we thought the character customization was "Gay".
We were used to PSO's system after playing it for so fuckin' long...
You could edit your character's hairstyle, facial type, hair color (By using the standard red, green, and blue color bars and changing the hex value of your hair color) ... your character's proportion (Yes, you horny teens could even make a girl character with big titties...) ...and even your character's SKIN color (Which I would've KILLED for in FFXI).