If you think that's how it works, you really don't understand QoS, networking, or what the ISPs would like to do. They want to provide QoS within their networks. That would allow better support for things like realtime services (Netflix, VoIP, Pandora, etc.). They can't simply trust users to appropriately mark packets - you'd have some who simply marked everything as high priority.
And exactly how does your hypothetical user control incoming bandwidth with their "home router?"
I have no problem with preferential "fast lanes," as long as they use bandwidth above and beyond a guaranteed baseline (call it a CIR, or SLA rate, or whatever). You don't want to pay to use it, you've lost nothing. Some service provider wants to pay to send preferred traffic to you? It has no impact on your base rate, you've lost nothing (well, perhaps a tiny bit of latency to serialization delay, but no bandwidth). This assumes, of course, that the CPE-ISP link is undersubscribed.