Oh, dear. Missouri is known as the Puppymill Capital of the US because there are more puppymills there than in any other state.
Have you checked to make sure your breeders name isn't on the USDA "puppymill" list?
http://www.prisonersofgreed.org/ListA2006.pdf
I can promise you that if you get a puppymill puppy, you will have huge vet bills over its lifetime which may not be very long. It is not a "waste" to spend a little more to get a puppy from a reputable breeder. It will be the best investment you ever made.
Sadly, some people spend $1,000 in vet bills in the first few weeks on puppy mill puppies. If the puppy has a genetic condition like a liver shunt or slipped kneecaps, you will have to spend several thousand dollars on surgery.
"Bargain" puppies can cost you a fortune in vet bills and break your heart. You also will get a puppy who grows up to be pretty far from the Maltese standard. Dogs weighing double digits with curly coats are common as larger Bichons are often mixed in. There is no guarentee your puppy will even be purebred. What registry does this breeder use? There are lots of "alternative" registries out there besides the AKC which aren't worth the paper they are printed on.