I saw an ad for some VPN provider on a YouTube video. My eyes rolled so far I ended up looking at my own brain.
Yes it's technically safer, no you probably don't need one, yes the advertising is largely misleading/fearmongering, and yes these VPN providers would love if it became common "knowledge" that all Internet users should pay a VPN-tax on top of their ISP bill to stay safe online.
My VPN subscription has saved me hundreds, if not thousands of dollars.
Now, I don't know what the expected cost of torrenting an HBO show is but I guess the parent commenter might think it's relatively high.