I completely agree with the first thing, but moreso that you would become a target of the PC/General population. The PC thinks they have seen every UC on Neopets, and when one they don't notice pops up, they are targeted/reported/harassed. If you change your password/pin regularly and have a secure email, hackers aren't really a big deal.
Neopets activity is up and down honestly. Its definitely not where it was, but there is still a solid playerbase, and new people are joining/rejoining still.