Those posts are people running wild with a hint of a conspiracy going on and many people immediately jumped on the bandwagon. You’re completely right and not every site will be 100% safe, but it’s not like there is some conspiracy with the mods getting paid off for malicious content. That’s just absurd to consider with the “evidence” provided.
I think of it like having sex with or without a condom. If you don’t use a condom, there’s a chance to get an STD (or get “caught”). It’s not a guarantee to get caught, your IP address needs to end up in the pool of addresses they collect to send out DMCA notices so it won’t happen every time. But having a “condom” (VPN) reduces your chances by nearly 100%, assuming it’s properly setup which usually is a very simple process