Is tunnel VPN good?

I've been hearing a lot about tunnel VPNs recently, and I'm curious about their reliability and safety. Could you tell me if tunnel VPNs are generally considered good? Are they effective in bypassing geo-restrictions and protecting my online privacy? Also, are there any potential risks or downsides I should be aware of when using a tunnel VPN? I'd appreciate it if you could provide some insights based on your expertise in the field of cryptocurrency and finance.