Pay as you go for subscription MMO question

[Trogdor2010]

Hey guys!

I have a question about MMO games in regards to paying monthly subscriptions, namely how is the game affected if I don't want to pay monthly all the time.

I haven't really been into MMOs, although I did enjoy playing the beta of Final Fantasy XIV: A Realm Reborn (that and it's half off on Steam ).

http://store.steampowered.com/app/262341/

I have never payed for a subscription based MMO before despite playing some of them. What I am curious is thathow is the game affected if you don't pay the monthly fee? I really can't see myself dedicating to playing the game and justifying paying every month. What I like about playing offline RPGs is that you can play whenever you like obviously, but I am tempted in the cross-play functionality (like the PS4 version with remote play).

I just feel like asking this stupid question. I don't know why I haven't gotten Guild Wars 2.