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Guild Wars: Prophecies
This is the only one time play MMORPG that I could ever find. Some, like WoW might have more detail and less loading but the fact that you have to renew your pprescripttion evens it out. You can come back and play it again if you stop playing for a while (your account wont be deleted) and if you don't like it, you only waste the main price instead of the extra money you paid for the 1st month as well.
Personally, I love this game, it's always expanding and has special items every holiday, even some made up ones! Good game, I would recommend this version (prophecies) to start as it has the easiest learning curve (but impatient people would probably want to start with nightfall; much quicker start and no way to skip pieces of story ;]).
The only real problems caused in the game are by the regular nutters you get in any MMO. (Obsessives, real world money sellers and people who aren't very nice but I'm not allowed to say the word on here so I'll settle with bum hole.)