mmmmmm oohhhhhh kinkaito, ohhhhh yeaahhhh.......oh sorry, I thought you meant a different kind of moaning. Welcome to the forums
1) They have been careful to avoid discussing the business model except for hinting that there might be some f2p aspect. Looking at the trend of MMOs out there today, I'm predicting we'll see the game be a combo of f2p and premium subscriptions, but thats just a guess.
2) The 3 year plan they've mentioned will be the plan for what the intend to do for the 3 years AFTER release. It's a way to get the information out there and get feedback so the updates can be as successful as possible. For example, in the 3 year plan, they may say "for the 1st expansion, we will have caves" to which the community can say "oh hell no" so the devs can make changes.