Is buying a game
cheat safe?
Financially yes if you pay via a card processor. Stripe and every mainstream card processor let you dispute the charge if the product does not deliver. Do not pay a random Discord user in crypto or gift cards. Those are one way.
For your account, the risk depends on the cheat and the game. Kernel level cheats on games with weak anti-cheat are low ban rate. Usermode cheats on games with kernel anti-cheat are guaranteed bans.
Never use a cheat on an account you care about. Use an alt.