Is iPhone remotely hacked?

Lately, I've had my VPN connected to my IPhone 8 Plus and when I visit (Whatsmyipaddress.com) it states the services is: Networking Sharing Device - the definition is below:

"We're confident this IP address is the public IP address of a router or a firewall. This is a common status for a residential connection with multiple devices (a family, etc.) We do not think this is a proxy server."

Is my phone hacked or is this the VPN?

Can I take a phone to the apple store for repair if I bought it second hand?

I've bought an iPhone X second hand from somebody online. The back is cracked so I purchased it for quite a lot cheaper than it's worth. The back camera works fine despite the crack and so does the front camera.

However I'm having an issue with Face ID and it's saying I can't set it up but I ran the serial number and the phone is still under hardware warranty.

Even though I didn't purchase the phone will I still be able to take it to apple for a repair.

Why do I keep putting myself in debt?

I just realize I've got a habit of putting myself in debt. I just pre ordered my iPhone xr so that's $900 bucks I owe, I'm not really worried about that but already owe like $8000 in credit card debt and I'm 22! I just went to a Honda dealership and got me a Honda Accord 2018. I'm happy because it's my first real car. I've been driving my uncles hand me down 03 Malibu since I was 18. I'm appreciate the car ty en to me but I just needed something new but I owe $35k dollars now total debt. Mostly this new car and my credit card bills. But why do I keep doing this? Luckily I do have a job that pays me roughly $3000 a month so it's not like I can't pay a $500 dollar note but still. I was always told to buy what I like and a real man gets what he wAnts no matter the price but I do realize I'm In a lot of debt and I need to stop. How can I?