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U.S. "Know Your Customer" Proposal Will Put an End to Anonymous Cloud Users * TorrentFreak
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Relevant Snowden quote:
I pay for vpn service anonymously even though I probably don't need to, as my main use is torrenting. I can see a remote possibility that vpn payment records at some point end up being used against pirates, even just as some kind of risk factor flagging, in the same vein as what you are saying: "If someone is paying for a vpn, surely they're doing something bad?" In countries that really want to crack down on speech and human rights, vpns get banned outright to varying success, and if you can't pay anonymously in that situation you're pretty screwed, this hurts those people.
In general I think everyone should be trying for some level of actual privacy online as a matter of principle, just because of how everyone being fully tracked and observed puts way too much power in the hands of those watching.