MMORPGs NEED a monthly fee because all the information on the game is stored ON the severs. These games require ALOT of bandwidth from the server side and alot of storage. Its really not cheap to run either... mind you that MMORPG's are also constantly bug patched and updated in gameplay...

As for PSO, I dont agree with its charge since 4 players in a dungeon is hardly a MMORPG... but FFXI I agree with...