Crackers are offering to upgrade my accounts for a little money

What you’re describing sounds like a classic scam boss man. Typically, services like Coursera, Netflix, and Disney+ have specific licensing agreements and strict controls on their premium features. Offering significant upgrades for a small fee like that is a red flag.

There's a few ways this might work though, they might be using stolen or compromised accounts to give the appearance of premium access. This is risky though because the moment you're found out you're a goner.

They could also be exploiting some sort of loophole or exploiting unauthorized methods to grant access, which could potentially be traced back and lead to you being banned. And sometimes, these services offer temporary access using fake credentials or hacked accounts. You might get access initially, but it’s likely to be short-lived.

Also, you may have not gotten to the point yet where he takes your money and then asks for your account info in order to "give you" the features only for your info to simply be changed and you get blocked.

Stay safe friend, make some bread and buy it yourself.