crypto is a public ledger. If someone wanted to find you, that's pretty easy target.
They can find your wallet, but if your wallet is not linked to you in an obvious way...
Not all digital currencies work that way.
They accept Monero too
Depending on crypto, and even on public ledger ones, there are ways to on-ramp cash to a new cold wallet.
That depends how you obtained the crypto in the first place.
In any case, its certainly better than visa, but if you dont trust your vpn provider the real issue is they have your IP address and at best just a pinky-promise they dont log.