Have you played TES online? I was initially wary of how the series would translate to an MMO but it turned out surprisingly well.
Right, I forgot a few things. I don't feel like paying for this game, or any, for that matter. I don't even take a proper care of my PC. And I don't have the money to make someone else to care instead. I'm not even working, lol. I also don't feel like competing with thousands of other people, unless I'm one of the best but I highly doubt it. It doesn't matter how much of an advantage the money gives, because if money is not the factor, then other factors come in, like: how sociable you are, how healthy and capable your body is, your reflexes, your hacking skills, how smart you are and able/willing to learn useful skills and rewrite the old and useless ones, how willing you are to decieve/manipulate others, and many other factors I'm not aware of or didn't feel like mentioning. As far as competition (establishing superiority) is concerned, it is
always pay-2-win, the only difference is in the currency.
Now, PvE aspect of that game is something I deem worthy of consideration. Still have to pay for it... Oh well.