Here's the thing about VPNs, you're giving yourself an illusion of protection in an area where it's almost entirely unneeded while unknowingly remaining almost entirely vulnerable in other areas. You are your own best example of that with your drivel about how we all need to use VPNs because hidden virus emails and credit card hacks, which VPN does nothing to protect against. In fact the vast majority if not all the major hacks in recent years couldn't have been prevented with the use of a VPN nor are they the fault of someone not using a VPN.
I am not interested in using the VPN for anything other than protecting my traffic while trading away from my office from intruders, is that pointless then? I don't want to route it outside the US.