No longer a NEET but when I was I had very few bills. My parents paid for most of my living expenses and other things I funded by boosting other players in videogames mostly league of legends and RuneScape. I didn’t have a lot of autonomy but I also didn’t really want anything so it was never a real issue. Looking back on it it was very bleak but at the time I was happy enough playing video games and coding little projects. I rarely left the house maybe once a month. I don’t think the term is offensive.

Qobuz wouldn’t allow me to sign up with a proton alias. I also tried deezer but they wouldn’t stop sending spam. Out of the two I’d recommend deezer.

I use valves gamescope for this https://github.com/ValveSoftware/gamescope