It is not a normal suggestion because the base game is probably the most pay to win mmo that has lasted more than a year or two. But both versions of Runescape (both old school and Runescape 3) have a game mode called ironman mode.

Ironman mode is an official account type that you can create where you can not trade other players items or money. Everything is earned and gathered yourself. If you want to make a bow you need to gather the flax to spin a bow string and chop logs to fletch an unstrung bow and then string it.

It is a slower mmo with most skills in the game having methods to train where you don't need to pay much attention and you can mostly watch youtube.

Both games also have very mechanically different and difficult combat encounters you can work your way up to.

Maxing out every skill in the game takes year(s) to do and there are hundreds of incredibly unique quests that in my own opinion set the bar for mmo questing. There are no kill 30 boar quests or fetch quests (really) they are mostly very in depth stories with character archs and so much lore if you are into that.