Is there a game creation software that has quick create?

There's no such thing as a free lunch. Going on a shoestring budget, the only way to create a product worth anyone's time (above all, your own) is plenty of investment on the developer's (or team's) part, and that's what indies do. Frankly, you don't come across as capable of that. You mention an mmorpg which requires significant upkeep costs, 3D engines which are a huge timesink (for example, online marketplaces are offering single models for $20 apiece for good reason), and a non coding environment which means someone put in a great deal of effort already to obfuscate the complexity of the clockwork.
Notwithstanding, by all means try something like rpg maker or modding an existing game (I'm thinking neverwinter nights or bethesda's, but anything with a modding community ought to work) and see how it goes.