Lineage 2 has a personal shop, as far as I know Russian and European versions are F2P, but then again why would you wanna play the Russian version without the knowledge of the language, unless ur Russian or get some sort of a language patch.
Rose Online has the ability to set up a personal shop and since it was released on Steam lately it currently has a really high population. Cash shop is fine too. No trading restrictions for free players.
Ragnarok Online is also an awesome game and if you play the merchant class you can also set up a personal shop. You can even buy items from NPCs cheaper than other players so you can even make a shop with NPC goods.