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What are the options for people who can't afford to create off. corp.?

I agree, a UK company with transferwise, ePayments and even a 2co account would work well for what you are looking for. costs you almost nothing.
 
so if we want privacy and less or no tax, we need to pay a lot , right?

and if that above setup would work how can we pay taxes if we are not from UK? and is it possible to get that setup at different person name?
I don't know what is a lot and you should check with a CSP/ lawyer. I think an offshore company + a real bank account does not costless than 2000 euro. But again check with a guy that it s the job the right price.
Yes you can incorporate a company on the name you wish
 

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