You'd be hard pressed to find any where the Dollar doesn't have a huge influence. Money talks, sad but true. I'd suggest looking into some older games that were subscription based but have turned free to play.
Probably not the best suggestion but WoW now has free play up to level 20 of your char. So if Blizzard can do that i'm sure there's got to be a gem out there.
Hey actually read up on that looks pretty good. You can play till level 20 after that you can carry on playing you just won't receive any experience points but if you want you can just create another character for free.