http://www.fomportal.com/when it comes back (currantly being remade, Face of Mankind was a really good MMORPG, they emphasized on staying in-character. even had a police force, you couldn't go around with a gun out without getting in trouble, Faction LeD (Law Enforcement Department), also there are criminal factions, also neutral, like a mining faction.
you can choose your first apartment for free, any others cost a lost, be carefull though, try not to choose your first apartment in an enemy controlled town (like i did first time)
you can get killed, but you can also purchase "clone insurance" where when you die, you get revived at the cloning center.
its a really fun game. it used to be pay-to-play, but that ended long ago.
