It looks like you're new here. If you want to get involved, click one of these buttons!
According to this thread and some high-lvl players, you need to pay at least 1000-1500 dollars to have a rank 9 (best gear) character if you don't want to be useless in end-game instances and PVP. I said at least. And that's only ONE character.
Not to mention, you can't even farm the money in-game anymore, it would take years to get enough coins and people who farm instances are all rank 9 and do it solo. No one does TT anymore, TT mats are useless, everyone's power leveling to 101 (requierement for rank 9).
I remember back in 2009, before rank 9 and the aps craze, this game used to be one of the best F2P games with a friendly community and now it's completely ruined by a greedy company and elitist players. RIP PWI.