I’m going to do my best to word this question carefully. I’m not privacy expert and maybe no more than an idiot. I do want to protect myself online.

Which led me to privacy focused cloud based premium solutions. The idea is you can pay for a service so they don’t need to serve ads and scan your data for profit. Services like Kagi , Proton among others offer services for a fee. These services let you pay with a credit card .

My question is , are these services really that private if they have your payment information ? Does it really make sense to pay to not be tracked but still have your information on file and linked to you ?

Is this more of an argument of privacy vs anonymity? Am I looking at this wrong ?

I understand the ultimate privacy is self hosted but for some things like search that limits options. I understand there is crypto for some of these options. But bitcoin isn’t cheap.

Curious to get others thoughts on this ? Please be respectful i am trying to learn…