Yeah, it's awesome. It's a little hard to earn money, but the economy is decent so if you can figure it out you can earn a lot. There's also a ton of games you can play for gold, as well as fishing and selling the fish and catching bugs to squish and sell for ink. (It sounds dumb, but it's interesting...)
it's www.gaiaonline.com and you don't need to download it, it's a website.
But yeah, some people think it's stupid because they stay poor for the first few months, but that's because they expect help. >_>
I've been on Gaia about 4 years and I'm decently well off.
