...If someone is going to pay that much for a used VTuber model, why not commission one yourself, so it's designed to your personal tastes?
Or pay a fraction of a fraction of that for a PNGTuber model, stream with that, and slowly use profits from streaming to fund higher-end models/assets?
Or pay none of that, draw something yourself in MSPaint, turn your version of those "How To Draw Manga" books from the early 2000's into your branding, and build from there-