🤷🏻‍♂️ I think I use Amazon pay or whatever it is

Are you not supposed to do that?

If something is gonna happen it won't be because of pay pal. It will happen if your panel owner in the whole tree gets his panel confiscated. Every minute of what you watch with IP etc will be there for evidence. Vpn will not save u if that happens

I use my credit card and my name and address are on it, is that bad?

Doesn't seem like IPTV is for you.