While I see your frustration I don't understand why you purchased the game if you knew there was a monthly fee that you might not have the means to pay, not that it matters at this moment because the game is free to play till further notice, but you were aware of it and you still bought the game. Next time I suggest further research into how it works if you don't want to pay with a card.

Don't get me wrong I feel bad for you that your out that money, but it is your responsibility as a consumer to learn about a product before purchase. The info was out there.