What are some fun games like Second Life but no download

If you really don't want to download and don't want to pay theres not much choice.
you can try stuff like
-panfu
-binweevils
-moshi monster
-club penguin (my fave)

but these are all animals and not very realistic
there was something called there.com but it said it closed for repairs, it might have opened again now.

wee world is ok
perfect world is good