Which game is credited with pioneering the 'free-to-play with microtransactions' business model that now dominates mobile and many PC games?

Test your knowledge about the history and evolution of monetization strategies in gaming! The virtual goods economy has transformed from simple transactions to complex marketplaces worth billions. Understanding how games monetize provides insight into both business strategy and player psychology. This question focuses on a pivotal moment in gaming's economic history that changed how developers approach pricing and virtual goods.

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MapleStory (2003)
World of Warcraft (2004)
Second Life (2003)
Farmville (2009)