i think it would be cool if there was a game out there that would be completely F2P and would not need any fighting. it would have a very simple interface and would involve player interaction. you could play multiplayer games ,that would get u coins, in some of the rooms. there would be clothes and items you could buy with the coins. you would have a house, small yet still a house, that you could upgrade with the coins. there would also be some involvement with tv (e.g. watching, getting news, sports, celebrities in the game world, etc)
Not free but it's what you speak of,
Have you heard of Second Life? It's basically exactly what you described.
The most important parts of any game are story and characters. Master these and a good game is on its way.
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Looking for Deus players, please check out Deus Collabrotive Game, under the Deus Book.