It is hard to explain this, you might have community outside the game, but UO is probably only game when you have community inside the game. You really have neighbours ingame, you meet them often, maybe some other guy you see on market from here and there will steal something from you.

I still remember one guy, which I considered to be my friend, to betray the city, making the portal that leads to small house full of PK, quite a few people get killed and robed out of equipment that you need to spend weeks of full time dungeon going to get to. There was greed, noble characters and also evil ones. You lost your precious equipment forever easily, you build ingame friendships and hatred by seeing same people every day.

There was also another guy, who by playing his role pretend to be mentally ill, but was actually using greed of other players to steal out of them. Just by talking, little bit of using known bugs (for hiding his name), using different clothes and stuff like that. He wrote it up when he did his act and it can be great book, but it actually happened in game and you were part of it.

These stories are 12 years old, tell me about your frags ;)