Sorry, but world transfer is considered by SE an optional service and they have a small fee as you know. You don't need it to play the game, you're just choosing to transfer servers for your own reasons.

You need to either upgrade your account to have more than one character/server or just pay for all the fees involved.

No you don't get a free transfer if you go to Chaos now and then back again. That was only for accounts that existed on Chaos at the time that announcement was made (and it's only for another few days).

However if someone has the same name as you on the server you're moving to you DON'T have to pay for a name change. They'll force it on you when you try and login automatically (at no cost to you).

Sorry I don't have better news!