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For the vast majority of people, the current planned model works really well: Most people either have a job with regular income or a lot of free time, and the ability to buy a month's subscription with either real money (to finance the game) or in-game money (requiring you'd contribute a lot to the game's economy) utilizes the best of both. That's being said, there is growing 3rd market of people who have irregular income. If you do freelance work, if you own a small business, or if your income is reliant on the growing share-economy, you are going to have better months or worst off months, and it's harder to commit to a luxury (Which an MMO essentially is). What I would like to see is some sort of limited capacity for people to play without paying. Perhaps the building tools aren't available, perhaps you can't increase your character skills. A smoother transitions between pay and non-pay mode would allow people to participate on different levels depending on how they are doing. Someone is undercutting your web design clientele? Nobody is renting your airbnb? Perhaps this month you aren't going to build your own ships, perhaps this month you'll be the crew in someone else's. I am not exactly sure what limitations this mode would entail, but the point is that even while handicapped, you can put the bill on hold and still log in and participate and contribute in the world and your in-game social circle, which in turn would mean you are more likely to keep playing and go back to paying when the next client comes along.