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With buying neopoints, I believe that you have to find the right person or site.
In my case I wouldn't buy off a singular person. Only because I know I can go onto REMOVED and get an item pack account with 4 painted pets,
1000-+ items in SDB for me to search in,
card deck, album, gallery, and the bank! (usually Id buy an account with 10-24m in the bank) then sell off the ETS items in the account etc.
I use a side to transfer items to another side not linked to any of my accounts,
a week later I "sell" them to myself or trade them to a side connected to my main.
Then I transfer items from side to main.
The price for those accounts with stuff like that range from 17.99-34.99 USD so thats around 45 for me lol
I always choose a package that is 24.99-29.99 because I could afford that.
If I could find someone offering that and lower price? sure i'd do it, but they would have to sell me the password, email, and username and even then would I know I wouldnt get scammed? Idk.
It all depends on who you are and who and how you trust. 
Now that im great with autobuyers, I might just buy the 5$ a month here and get advanced. I have done quite well as a basic member for abrosia, so many MPS lol I give half them away for the fact I feel bad. !
I have been frozen, but that was when I played legit, and it sucked! I had an account over 14 years old... and bam gone. All because I was hacked, then finally got my account back. All my stuff was gone lol and then I tried to use an auto buyer when they first came out.. Nope. iced for sure. lol
So here I am, adult playing neo but I get good fun out of it. I love reselling, and autobuying gives me a thril. I am not able to buy fast due to tremors in my wrists so thank the lord for AB 
