Actually, I address it quite explicitly. The players in the pay-for-perks MUD also have time invested. As pointed, out, there is a time.money exchange rate. There is, however, one additional resource in play, and as a new player you have 0 of that resource invested when you first log in. Other players have more than 0 of that resource. Therefore, it's an additional category in which you are behind. A repost of your chart, correcting for this glaring omission:
Established 'free' mud player: eq/skills/knowhow/etc + >>> TIME INVESTED <<<
Established 'perk' mud player: eq/skills/knowhow/etc + perks bought + >>> TIME INVESTED <<<
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