Both games have open source releases (I cannot officially say UO has). Sure UO still has their paid servers, but you can join modified ones that all change to skills and other features that the main systems doesn't allow.
Allegiance released the source code, now under Free Allegiance.org, there's additional races, more ships, etc. For now, when a company stops supporting a game, but the public still enjoys it, the company might release the code so there are OPEN servers for the masses to log into.
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