Great criteria! I strongly recommend sailing also as a hobby meeting these criteria- although wind surfing is a type of sailing. Zero equipment or money is required because most people that race sailboats are always looking for crew, and are happy to take on a novice that is excited to learn.

I think people often turn away from sailing because it's seen as an expensive elitist thing for wealthy people, but the truth is the polar opposite of that- most people in the sailing community are working class and often have either small dinghies or older boats you can get for a few hundred dollars and easily maintain yourself. I paid $800 for my first working sailboat, and the first yacht club I joined had a literal garden shed full of rusty hand tools for a "clubhouse."