Well.. whatever gets the job done without ruining your reputation completely. (As your rep is important..)
There are two sides, what you can do without money, and what you need money for.
I have similar challenges, and have worked and is working a lot with people with similar challenges, although on a smaller scale. (Film industry, student films, music videos.)
I.ex I make crap films all the time, but I still need people who are willing to work their asses off for me, for free. And tbh I have paid my dues by working my ass off for free or very little money for others in the past. (Thank god not anymore though!)
First you gotta have people believe in you or the project. Throw some stardust in their face, and have a core group that is willing to help you with that. It helps to be charming and cool, strangely. If you are an asshole, it doesn't matter how good the films are, people will won't work for you. (Speaking again from actual in-field experience here..)
Secondly there is a problem of people. Most people that work for free are inexperienced, lazy bastards who justs wants the easy way out. People you can't trust to do it right, the first time, is a huge risk. That's why you need as few people as possible. Cut off people that can't keep deadlines, and don't be too trustful and patient with them! Well, sometimes you find great people, but these people need to feel that they are seen, and that they have an influence on the product, even if though they really don't. (But they can't know that) Basically you have to be a step before in the social game and be a good leader.
Now, money.
Sometimes, you need money, but very often it's just convenient to throw money at a problem that can be resolved without them, if you had the right people with the right skills. I.ex once I needed an expensive car for a film. In stead of renting it, I sent by worst/best hustler friend to the most expensive car shop in town, and he hustled it for free from the main salesman. Of course, a prolonged game development is something else than a short film.
To get real big money, you need real backing, and the only thing that will get you there is a brilliant idea and past accomplishments. Still though, sad but true, pure hustling probably accounts for a lot of your chances. You won't get real money from cRPG I'd think. (Let's say enough to fund a bunch of guys working for a year)
In any case, it might help a little bit. What you could do without pissing off the playerbase:
1. Sell vanity gear like crowns or whatnots.
2. Beta keys for your coming game?
3. Kickstarter?
I'm really afraid a monthly fee would kill off too large a part of the playerbase sadly. cRPG players are often on older hardware, and often come from less than rich countries. And for a MP game, you need a minimum of players.
What I would do..
I would say goodbye to girlfriends/friends/family, move to Croatia with cmp and 1 or 2 other devs, rent a huge flat that double as office, and make the fucking game. There, living costs should be comparatively low, and there would be nothing else to do, but to make the game. You will also be able to find cheaper workforce for graphical artists etc. If you can combine this idea with a kickstarter, you might be able to get quite down the road when it comes to a year of financing.
Also, think small.. I would love to play an awesome game with crap graphics (but great music, that you can hustle for free) and buy a beta key with the promise of more.