I mentioned this in the OP, by default VPN traffic is DISABLED. You’re only dealing with verified business traffic unless you mess with the settings.

If you want to take risks to earn more, you can, but you’d have to look into the liabilities in your region. Many countries have protections for this, but again DYOR.

Installing MystNodes and using B2B traffic is very safe passive income IMO.

Not really, you can download it on iOS and the Play store and use card if you want.

Streaming Netflix and Disney+ works way better as mentioned in the OP than other mainstream programs.