Is there a 3d mmo that invokes pic related?
>fantasy medieval town
>take posted quests adventurers guild
>buy gear and items from npcs on a market street
but you control the character and can fully roam the town (not still frame menus). and keeps the stakes low where you stay a lowly adventurer and not become the main protagonist overpowered champion. PSO 1 on Dreamcast comes to mind but that was sci fi