You want an fps that isn't first person. Fps stands for first person shooter. They aren't gonna make a 3rd person shooter mmo. Third person shooters aren't as popular in general.
Just do the free trial.... see if you like it... if you do go setup up a debit account... it isn't that hard... just get your guardian to sign for it or something... i have debit/checking with my own money and when 18 i change it over to my name.