Way more likely “rip” or “HDrip” instead of XviD, which is (or used to be) a super common video codec. Like X264 today.

You don’t exploit by paying the price that was agreed on. The driver let’s himself be exploited, but that is not the fault of the customer. If I agree to give away 100 $ bills I don’t get exploited by people taking them.

1. In this case, the service is disconnected from your data. With Google et al., your data is the product.
2. Closing or some other form of taking your banking account hostage until you give them permission is not exactly something that should ever be possible to happen. This kind of service needs to be heavily regulated. Much unlike Facebook or some other social media stuff.