I came across this a while back. It\'s both online/solo player and is pretty cute, although I didn\'t spend too much time on it.
You can create your own world. Basically the game is the same, you just change graphics, icons, spells, monsters, quests, NPC content, etc. I think this would be a great starter for making your own game without having to know coding, etc. You just need a whole library of 2d images.
Then you have to have a server to host it on. This game is NOT 3d, but just 2d. It is cheesy, but fun for a couple of hours if you\'re bored.
http://www.synthetic-reality.com/wosHome.htm