"People pay for server transfers and name changes ... but do you think those should be for free too?"
Actually yes, I do. All that should be part of the monthly fee. Changing and moving that data around is trivial and costs nothing to the company. The fact that they charge so much for these trivial things is proof that greed and stupidity go hand-in-hand. As long as people are dumb enough to pay extra for it, the greedy company will charge for it. The first good MMO that has all these services included in the monthly fee will be celebrated.