Wait... In ragnarok you if you don't level up through maps you can't do stuff .-.
Its just your opinion. For me this game is good, isn't ragnarok but is funny to play and show a nice stuff to us.
Not a critique just opinion rsrsrs.
Well, you can still be rich by getting just Thara Cards at Lv.50, be a Pure Forger and just buy supplies from PvM people, you can also merch items. Anyway, there's plenty of stuff to do and a huge variety of maps to go.
In ToS you HAVE TO follow this script where from Lv.1~20 you will be at Region X, at Lv.30~60 Region Y and there's no other alternatives. While in RO you can easily explore the whole world while you level.