(Thanks for replying btw. 112 views and 1 reply. Come on guys
Personally, whenever I make any sort of transaction regarding Neopets, I always make an audit trail to make it seem legit, so if I were to trade an item with someone, Id still make a board and tell the person to comment over there, therefore establishing proof.
But you have a good point about not wanting to associate with hackers. It depends on the level of hacking, and this is where the reliance of the lendee comes in. If they say they havent hacked on this account at all etc