Okay I'm still quite new to knowing my way around privacy and security so my question is, why should I use a VPN? My only experience has been with TOR and it's not ideal for financial transactions as you don't know who's sniffing around exit nodes. It's also very, very slow and then pages start to appear in foreign languages. Isn't using a VPN just paying money on top of paying for your internet to make it slower, more insecure and much more difficult? I know people really like their VPNs here so obviously they've had different experiences of them to me and I'd be really happy to learn what they are.