With my credit card, I’m not worried about the police coming after me. Pirating is a civil issue not a criminal issue.
But how do you think they are running their VPNs? As we have seen from the past, Paid VPNs can track what you do any way. Just make sure you’re using HTTPS and you have setup your OS to encrypt your data and you’re fine. No one’s going through the effort to catch youre suspected of doing something serious enough.