Who told you a VPN prevents "hacking into your finances"? that's complete BS. All a VPN does is make your connections to websites appear to come from an IP address that different than the local IP address provided by your ISP. VPN's are especially useful when in a country, say, like China restrics access to content using their control on China based ISPs'
A VPN does add an extra layer of encryption but it is not really necessary. However, if someone is using a lot of public WiFi access like in a Starbucks that using a VPN is a good idea because it does ad a layer of encryption across the wireless network (which could easily be hacked and snooped)
However for private home use it's not really necessary, in fact I would not use a paid VPN service because if they get hacked then access to ALL YOUR INTERNET traffic can be snooped by hackers of the service. I use my own VPN ... but that's because I know how to build a private VPN using Amazon viritual machines etc. (I'm a systems engineer)
All connections to any reputable financial institution already use SSL/TLS via https (encrypted connections) .https://en.wikipedia.org/wiki/HTTPS
all modern day websites use HTTPS (encryption using TLS) over the interent. The old http protocol was in clear text across the Internet and could be easily snooped.
regarding the OP. Thai ISP's are so clueless, cheap and have no relationships with content producers like in the USA. I never worry about using a torrent apps over a Thai ISP. They are too cheap to buy the equipment and manpower it would take to track torrents and have no incentive to do it .. unlike ISP's in the West who have serious pressure from Movie studios and content producers etc.