Thelanis, and you CAN get a monk for free. It just depends how much work you want to do to get it free.
http://forums.ddo.com/showthread.php?t=198865 has some good info about how much you can get for free, and a rough idea of how to do so.
So quick info
Turbine Points (TP) are points you spend on the Turbine Store.
Favor Points (FP) you get by completing quests in game.
The following chart depicts favor Rewards that are earned by achieving each tier for the first time on a server. These rewards can only be earned once per server.
favor.........TP reward
5................50
25...............25
50...............25
500..............50
1000.............100
2000..............100
3000..............100
Also, for every 100 FP you obtain on a character, you receive an additional 25 TP. You can easily get 50 FP on each server without much effort, giving you 100 TP to spend on the turbine store, do that on all the servers and you have 700 TP. Use that to buy monk with some points left over. With any and every character you build, every 100 Favor gives 25 TP, if you really want something, grind out a few characters to 100 (a couple hours work) for that 25 TP, delete the character, and do it again to build up the TP you need to purchase something.
It's not the quickest way to do things, but if you want to play completely free you CAN conceivably get everything.