I think you might mean “post hoc…” which is a more specific case of “cum hoc…” and sets focus on time/order of events
Half joking, a tone indicator like /s
No, but as far as I can tell, it’s a private company in the US (which is pretty bad for a VPN). Also, all of its features are closed-source. The encryption seems to be closed source. That should make you question their motives and integrity. And trust them not much more than Google or Facebook. For everything not privacy related, as their virtual cards and in a sense also phone numbers and email addresses (those could be private, but not using this service), this service seems fine.
The point with EVs being over 45k is mostly the extremely pricey battery, China just subsidized until their cars are at a better price, the EU wants to protect European car manufacturers, that’s that.