I think the dev guys are doing a fantastic job of creating the engine.
I also think there's plenty of guys putting hours and hours into creating databases that can be downloaded which do exactly what you are asking for.
It takes time for all this to occur, and noone is holding a gun against your head asking you to donate. It's 100% optional, however it costs money to run websites and login/database servers etc.
FYI, if you want functional databases, take a look at Drawdes for quests, Telmet's for sheer size, or Lurker's also for size.
Then again, why not try to contribute yourself before calling this awesome group of people's work for the last year or so, worthless.
My 2 copper.
-Auldar
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