You're not seeing the point here...
If someone looks at it from a perspective like yourself then they'll consider buying it for 5m
If someone looks at it from a perspective that is from my POV they'll consider buying it for 15-20m
Like I said, and I'll state again it's PURELY DEPENDENT on what the buyer would offer, whether they are interested in a level 3 skiller that already has a 99 then they might pay considerably more, if someone else just wants a skiller account in general they will pay the price you stated.