1 - allods is pay to boost, you buy "time" by having things earlier than others (everyone can buy everything for free theoretically, its only a question of time)
2 - yes you can exchange gold for BC and buy EVERYTHING this way

(exchange NPC is next to auction NPC)
3 - you can farm gold in various ways and you will most likely find at least one that is fun for you
i play completely free myself and after ~ 2 years i have almost every item which is useful