It isn't worth wasting time on virtual cards if it's roulette with VPN's. Did you use Stealths with your VPN ?Although this requirement is often stated by card issuers, I can confirm that I have often used a VPN with virtual cards and that it worked. I think it really depends on which VPN you use. As for Tor, that's a completely different story and it's not worth playing with.
Wasn't I clear enough? Why would you call it a waste of time or roulette? If it works well, if not then you're not using a VPN and the matter is quite clear. In addition, there are many services that offer virtual cards for crypto, Stealths is not the only one.