i dont know of a single internet company who DOESNT cap your internet speed
Is this a US thing? With my ISP here in Romania, I've never experienced caps even going into the hundreds of gigabytes a month (I torrent a lot of Blurays).
Around here (Salt Lake City, US) people can get inexpensive home connections in the 12Mbps-20Mbps range. The caps on many of these plans are about 1TB/month. As you mention, an individual can transfer quite a lot of data before hitting that kind of cap.
Businesses, especially tech businesses, tend to have much greater telecom requirements than a single residence.