This is BS, VPN is an legitimate service and many people rely on such services to do their things, it may pose some potential security issues, but in most cases

This is BS, VPN is an legitimate service and many people rely on such services to do their things, it may pose some potential security issues, but in most cases, it won't cause big harm to you even when your credentials leaked. Just try to use a very random username and password, payment can set to pay as a VCC or one time method.