Bored, what's current?

Is Star Citizen actually playable now? Is the game going to be sub based?
No, not as such. The pre-Alpha is out, wherein you can finally fly around and have a go at shooting up some waves of Vanduul scavs and elites. It's buggy as hell, but that's the point. Online multiplayer is being rolled out to people a few at a time, to see how well the server(s) can manage with each additional load.

The game is slated as free to play, with new game purchases and sales of in-game stuff (with real money, for those who don't have much time to play) funding the maintenance of servers and development of new things. However, anything you can buy with money can also be bought in-game with in-game credits and there is a limit on how much real money you can drop on this... apparently!
 
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