In Finland therapy is free for students and also otherwise free if you can't afford it. I'm guessing this is a thing in other European countries as well.
You should try Old School Runescape if you want an MMORPG without any microtransactions or FOMO/daily grind mechanics.
The cool part with OSRS is that every new feature or update has to pass the player polls, meaning they are unable to add stuff no one asked for. This includes microtransactions, partnerships, battlepasses, etc.
What is Dunkin?