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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.
I feel like it would be bleak in retrospect but maybe not that bad when you're in it. So that makes sense interesting. Thanks!