I totally agree; cost limits actual usefulness.
That's why I won't upgrade past 6 Mbps down, 1.5 up. (My own testing shows I get more like 7 and 1.2). I've made many a post whinging that uploading a bunch of photos takes all day and/or all night and don't even try video.
The worst part is when I signed up for THIS tier (from 1.5 down / ??? up) they said it was 6 both ways. Flat out lie. Wish I had a recording of that phone call; I would have had my state's attorney general on them quick to give me this tier for free or a higher tier for the same price.
But sorry to whinge again.