You’ve failed to explain yourself properly or make any coherent point or provide any evidence of your baseless claims.
You clearly don’t understand how payment processing works, but since I do I will tell you that yes, there’s a big difference between an ephemeral VPN service that doesn’t need to tie any long term data to your account, and an email service that has to secure and maintain your data for you over a long period of time. These are two wildly different service models and There is in fact a requirement to hold onto payment data in this case. This is why all of Protons competitors do the same thing.
Your technological ignorance and naïveté to the world is not an indictment of Proton. And since you still after all of this time haven’t make a single coherent argument against proton or provided any proof to any of your claims, I’ll have to call it here.