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Mullvad VPN allows you to pay with cash in an envelop with no name etc

Yes. But your cash gets attributed by your origin IP address. Which you pay with your identity available.

No? You put in a/your randomly generated account number for attribution.

Where you connect to your "cash obtained" VPN? That IP has your name on it.

That’s a totally different problem than what you were saying before. This problem is one inherent to VPN technology writ large.