The only reason people use a VPN with Netflix is to get around Region Restrictions. Not for nefarious purposes per se.
Yes, Netflix is a paid service. Many people buy 1-2 months of Netflix, watch their exclusive movies and shows until they get bored with their library. Then go buy 1-2 months of HBO MAX, then cancel. Then buy 1-2 months of Amazon prime, then cancel etc... It's a good way to save money without paying for a whole cable package. At roughly $10-$15/mo for each service, it's very affordable for what you get.