Is there another 3d world like active worlds where I could build a house without having to buy property?

Active worlds seems to be the only one that doesn’t have a currency where one has to earn that currency or pay extra money to buy a strip of land to build a house. However it keeps making my system crash. is there another place like it that has the same policies as AW?
Active Worlds keeps making my system reboot and it seems to be the only 3d place where I don’t need to pay for land to build objects.

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