Do you play MMOs without spending money?

Yesterday, Massively's Beau Hindman pointed me to a Touch Arcade article that explains to readers how to spend as little real money in The Simpsons: Tapped Out as possible. I know, I know; it's not an MMO. But that urge to beat the system by playing a free-to-play game without paying a dime is one that MMO players feel more and more in an era characterized by free-to-play and hybrid MMOs.

Some folks call it frugality; others call it leeching. But today, we want to know whether this is how you play free-to-play MMOs. Do you try to spend as little as possible, even turning your ability to save money into its own sort of game, or do you chip in money as thanks to developers for a game well done? Are your attempts to penny-pinch thwarted by clever but annoying monetization design? Have you ever successfully hit endgame in a free-to-play MMO without spending any real-life cash, and why?

TH