You are totally wrong. You are assuming that every single VPN is logging everything you do online, every IP address, and every website, and then saving this information for every user. Completely false. Show me a single reputable VPN that does. Show me the real life cases where this has happened. Any good VPN, including Mullvad, is a no-logs VPN, which means activity through the VPN is not recorded and cannot be connected with users. There have been numerous VPNs that have not only been audited to verify this, they have been proven correct in court or real-life tests. Mullvad is a perfect example of this:

https://restoreprivacy.com/mullvad-vpn-says-customer-data-is...

Paying for a VPN account does not mean the VPN is going to start logging user activity. Keeping payment records does not equal logging user activity through VPN servers. And most of the big name VPNs allow for crypto payments.