To be fair, not all pay VPN services are legitimate, either. It's important to be careful who you choose. Over on ZDNet's sister site, CNET, I've put together an always up-to-date directory of quality VPN providers. To be fair, some are better than others (and that's reflected in their ratings). But all are legitimate companies that provide quality service.
VPN services, while tremendously helpful, are not foolproof. There's no magic bullet (or magic armor) when it comes to security. A determined adversary can almost always breach your defenses in one way or another. Using a VPN can't help if you unwisely download ransomware on a visit to the Dark Web, or if you foolishly give up your data to a phishing attack.
In short, it's time to start thinking about protecting your personal information. That's where virtual private networks, or VPNs, come in. These services use simple software to protect your internet connection, and they give you greater control over how you appear online, too. While you might never have heard of VPN services, they are valuable tools that you should understand and use. So who needs a VPN? The short answer is that everyone does. Even Mac users can benefit from a VPN.