No, when you buy a pipe of X speed you are supposed to get that speed, symmetric, 24x7. If you want to peg that circuit you are paying for it, so go for it. That is how it worked until DSL and cable came along.
What we need is a combination of network co-ops and point to point microwave providers. That bypasses the monopoly the bell and cable companies have under the street or on the poles. It becomes cost effective if you can spread the costs across multiple homes. You could slice out dedicated bandwidth for each home via QoS with bursting when more capacity is available. No quotas. Everyone can stream a movie at the same time.
It is the ILEC's and the last mile, and the removal of requirements to provide access to competitors. Basically the local bell controls the wire from the central office to your home, and they can determine who can access that line. Unless someone is willing to bring in their own infrastructure, the ILEC's have you by the boys. They used to be required to play nice with competitors, but not any more. Deregulation leads to more competition, right? Name one example of federal deregulation that did not result in either higher prices, less competition, or worse service.
FWIW the old Veterans Administration became the current Department of Veterans Affairs (by being made a cabinet level agency) many years ago, so the more accurate reference is "Veterans Affairs" and not "the Veterans Administration". Also VA does not have "members" but rather VA serves veterans and their dependents. It isn't a club you join but rather a benefit you gain from having served honorably in the military or by being related to someone who has thusly served.