Err.. 60 isn't high, compaired to most games with max level of 100. Plus it's easy to get to. And I've got no clues about dollars, but it only costs me £88 a year to play (Including the Free month..), and who honestly, is going to play a game, non-stop, for a whole year? And why would 4 players, play for a full year, and share money? If I was bored, I'd be sure as Hell I wouldn't go play some board game RPG.
1. It's really boring
2. Needs other players
3. Lots of rules, not to mention the money for a silly set of books and plastic figures...
And about campaigns, try going on an RP server, or posting on the forums about an event, plenty people do that, mainly only on RP though.
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