As far as buying one there is absoultely none. Accounts are always recoverable.
That said its best to get PAYMENT for an account via RSGP, get them to trade to a random mule account and immediately stake that account with another account (or do red portal or wildy) for the gp in question so there isnt any form of large/suspicious trades. Then again thats just if you are really paranoid people trade bills every day without ban. GF on some kid trying to get his RSGP back after the trade is made. Turning the RSGP into cash is as easy as selling it all in one go to a reputable buyer here, you may not get as much total cash selling it all at once but you skip out on all the bullshit small transactions and risks of being scammed by every swinging dick who wants to get over on somebody. GL