well when you grow to that magic age of 17 and get a job that sucks making 150 a week paying some one 15$ for a lobby isnt that bad now is it?

People with under 60 rep can be legit. Like dimbag ,booty etc they started out low. The best way is only but from trusted. Also only pay good's on paypal if you have a substition

now im not one to fall for a scammer but my question is... even if i find someone legit, how do i find proof that it wont get me banned?

No one can say you wont get banned even if you built a proxy over it you would have to make your own server in the game and hide it inside the normal server so in other words you can still can banned even from a trusted seller there just more likely to take steps to reduce the risk