I would not have a problem is the separation was crystal clear.
Cath 1: MUDs that ever receive money from players.
Cath 2: MUDs that never receive money from players.
Then flag them differently. If money leaves the player's hands and goes to the admin's hands, for whatever purpose it stops being "free" according to you own definitions (and KaViRs and the everpolite the_Disciple, etc) for those players.
There may be dozens of sub-cathegories for each, but if your intent is to keep it simple, also keep it clear.
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