Yup. And being a much bigger server, to get to know the other RPers (which, often, have rather complex and deep characters) and different places, and all the things to do... well, it's very time demanding. To do it twice or more at the same time can actually end up being more of a complication, as you end up remaining on the shallow/superficial side of relations and everything with both characters due to lack of time for them. Or one just ends up disapearing.
Unless you have 2 PCs, of course, and so can have both accounts active. Which, indeed, does bring up the issue of money.