People don't buy home internet to max out their connection 100% of the time. It does not make sense for the capacity to be designed for 100% load from 100% of the customers 100% of the time, otherwise you'd price out most of your subscribers. Ergo, you're never going to get it unless you pay some pretty high rates. Even many datacenter connections are billed on some bandwidth percentile billing and not always max link speed as often connections are fairly bursty.