Is there a true rpg in browser, or downloadable?

The thing is that games of that nature aren't particularly easy to make, especially when you're talking about a handful of people with little to no incentive to do so. A casual game designer can figure out how to code basic things and make sprites and what have you but 3D is a whole other beast both technically and artistically. The reason that there's MMORPGs that are a bit more complex is because a company actually stands to make money from them even if they're free games. Bio-ware is a pretty big, well funded, and well established studio that STILL spends years working on these games.