Justified paranoia
Throughout the decade plus doing this,
I have found it prudent to have multiple backup plans and outlets.
Yes maybe its the specific country the VPN is on.
Some countries, for example, when you are in turkey paypal makes you do extra checks and most times the page used to be down. (or refuse to load)
I can only speculate as to why, but there is definitely better countries to use with a VPN than others.