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Re: Caps are just an excuse for greed. That depends on the ISP. Some do tie you to a contract, and in smaller towns, there often aren't competing providers.
Here's an example:
A friend of mine worked for a large company making great money. At one point, they allowed him to start working from home full time. He no longer had to go to the office at all any more. He had a nice fast cable internet connection with unlimited download capacity, which was necessary due to the traffic generated by his connection to the office. That traffic added up to about 5-6 GB per day or about 150-200GB per month. Nothing illegal or suspicious in the least.
At one point, he and his wife decided that they hated the high priced city life and decided to move to a small town four hours away from the city. They bought a house in the town. Before they purchased it, they made sure that the new home had access to an ISP with unlimited download capacity so he could continue his work. The only ISP in the town said yes they did. Cost about 40 bucks each month. The cable company in the town was a small mom and pop company that didn't offer cable internet. My friend moved to the town and life was grand.
After about 6 months in their new home, my friend noticed that suddenly his email was taking forever and his work related apps were painfully slow. Turns out the ISP decided to start throttling its customers. Then they started 60 caps with no option to retain unlimited download capacity. He could get a 30GB/month extension, but that was it. When he contacted the ISP to complain, they said if he was regularly using 150-200GB capacity each month, that he was an abuser and that it would violate ISP rules.
Now the guy is stuck living in beautiful home in a nice town with his dream job that he can't do because of the caps and throttles. So now he has two choices. He can quit his dream job and find a much lower paying one locally, or sell his home and move his family back to the city.
Bottom line: There are just as many legit reasons for high bandwidth and capacity usage as there are illegal ones, and many areas don't offer a large number of ISP choices like the big cities do.