I am in Second life and it has cleaned up it's act a lot this last year. It still has adult worlds but no one can get in them unless they have their age verified and there are warning notices in all public places asking you to refrain from being nude in them. While building is hard and you do need to own land for many things, it is still possible to rent a small area quite cheaply and add a few prims.
I have joined a group and set up home in a little beach house, it lovely, so nice in fact that I wish that it was the real thing with waves crashing down almost on my doorstep

SL is not for everyone but it's not as bad as some...