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They hide your browsing from your ISP (and probably your government)
They hide your origin and substitute another for web sites.
I'd say a VPN is only useful to people engaging in crime, or things that look like crime and those buying services that are priced differently around the world
That provide no protection against things you might click on
There are far more uses for a VPN. For instance if I want to access my NAS while outside my home.
Sure, but that's not generally a thing the commercial VPNs offer, and I thought we were talking about commercial VPNs
But some VPNs do provide you a little protection on things you might click on. Ublock and not being a dummy will get you around most of that use but for general users it is more safe.
Sure, but that's not VPN action, it's routing or filtering
Sure but when I'm not on my network a VPN doing that is good.