There is near-zero privacy when a VPN has your real IP address and could log connections (source/dest/proto/port). Don't fool yourself into thinking that using crypto payments adds much, unless you are constructing your own VPN onion OR you are concerned about what shows up on your CC bill directly (eg. to hide it from your family)
When you use a VPN provider, you are trusting them with your anonymity - that they don't keep logs of connections that could lead back to your identity, and/or they won't hand that info over to others (law enforcement, courts, some spook slipping an employee $500).
It's also quite likely that your the average VPN user uses the same webbrowser (full of fingerprints and tasty cookies) to identify themselves in 10 different ways as they visit their shady torrent/porn/zuckerberg/fetish/gambling/bezos site, removing another layer of the obscurity onion.