How are monthly fees annoying? You grab a credit card, plug it in, it's charged once a month (or less often depending upon payment plans). Oh, wait, most people that play free games don't have credit cards. *facepalm* L2Age.
It's 15 bucks a month total for nearly any good MMO, that's two quarters a day. Save your money, don't buy that donut at nutrition you high school fat ass.
joking, kinda. If you can't save two quarters a day, you fail.