Don't blame you. IPTV in general is risky and this stuff adds even more risk. Definitely not for folks looking for plug and play.

I get where you're coming from, they tend to make up for it by being super cheap.

Aim to buy a year, don't pay more than $15, use as many extra protections as you can that will allow you to not give your credit card number directly to the site/seller. It's been awhile, but I would mostly just use paypal.

Invite only - "please do not go posting this on open forums" "please try to stick to people you actually talk to"

I still don't get the appeal of discord for this kind of stuff. Seems like a matter of time before it gets shut down too and all the useful info isn't discoverable by regular people. But I'm uninformed when it comes to discord.

Torrents don't do live streams. E.g. watching recordings of football matches is not the same as live, and free sites often struggle at peak times.