I'll propose three categories:
Free: No purchase is available to change the game experience.
Perks: Optional purchases can change the game experience.
Pay-to-Play: Mandatory purchases are required to access the game on a continuing basis.
Is there a game which doesn't fit neatly into one of those three boxes? Examples:
Free: Aardwolf, WotMUD, Discworld, Armageddon, Carrion Fields, Icesus.
Perks: Achaea, Lusternia, Aetolia, Imperian.
Pay-to-Play: Threshold, DragonRealms, Gemstone.
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