This is gonna be somewhat off topic just because the whole "don't make an mmo it's too hard" argument is starting to get on my nerves.
Yes making an mmo is hard, but it's not impossible, and unlike crack, but much like the Darwin awards, one persons sacrifices can bring happiness to many. It also doesn't take massive amounts of resources, it depends largely on what you want to achieve.
Yes sure the large volume of people who come in here say "I want to make an mmo that looks better then WoW, has real time combat in a universe that you can't possibly explore all of, yet is fully modifiable". Sure that's damn near unachievable, but instead of telling them that, why not be slightly more constructive. Something along the lines of "You realise an mmo is hard, and while there certainly is no harm in trying, be prepared to fail at some aspect of it least a few hundred times". Ultimately who cares if they don't succeed, when they fail, on their own, at least they learned something.
That being said, an excellent example of a game that isn't necessarily combat-centric.
RPGWOAnd more games achieved by either individuals, or small groups of hobbyists
Eternal LandsLoradon OnlineThe Mana World