[dangerface]

You are right that most people are just signing up with the same credit card and details as their isp and even if they claim they don't keep logs the vpn needs to link the use of their service to your details for billing just like your isp.

That said if you live in the UK the government logs your internet history to be used against you at their convenience. Using a vpn like mullvad.net that you can buy with bitcoin and no details prevents the government logging my history, thats worth the £5 a month.

[zelphirkalt]

Accounts can be completely decoupled from the payer. As long as the account is paid for, it should work. If there are no speed or time limits imposed, then why worry about who is using the VPN? If you allow a reasonable number of connections to the account at any given time, the rest shouldn't matter.