[1] As it is, the vast majority of people pay via life insurance rather than directly, both because it's far cheaper, and because there are risks in paying directly as the money could get caught up in a legal battle, while the patent's brain is rotting all the while.
Neuropreservation also allows a better preservation in many cases as newer preservation methods and technologies are often only applied to neuropatients first, before becoming available for whole body patients later.
I'm personally interested in neuropreservation. The only thing I have to lose in my body is my tattoos (which I would be sad to lose, but it would be worth it to live again and be young again), and which I would reproduce on my new body anyway.
If you say "people shouldn't spend their money on things they want to because it could be spent on other people", I seriously hope you don't have a house, nice car, food over basic subsistence level, etc. at the risk of you coming off as a massive hypocrite.