That a serious question. In a french forum we talk a lot about that and sometimes it because emotional.
I bought my N'Stein from a breeder who was selling his dogs with no papers and extend his breeding to different breed of dogs

. I choose him because it was refered to me by a friend. And the major point because the puppy cost me 450$ instead of 1200$. For the dog I had a budget of 1000$. So I have prefered to put the rest of the money of accessories and vet care (exam, vaccins) for my N'Stein.
So my choice was made regarding how come it want to send my budget.
Put I also recognize the effort that reels breeders put in breeding dogs that meet the standard.