I use the tiller extension in Google sheets. With the community savings budget template to allow for 0 based or “envelope” budgeting. One of the few things in my life so far ahead of every other option I couldn’t bring myself to ditch it and selfhost.
Everything starts as a luxury until the working class bands together and demands it. 40 hour workweeks, overtime, sick days. These are workplace examples, but the concept holds true everywhere. In a capitalist society things like privacy aren’t considered until someone starts exploiting them for profit, at which point people start to get serious about protecting it. And this rule applies 5x in any tech realm, as governments are notoriously slow to build legal protections in new and fast moving sectors.
All that was to address your title, which is only tangentially connected to the rest of your post. Regarding the body, companies have absolutely started to equate VPN with bad actors. Still worth having. I just whitelist the services I have to.