Building out for 100% of theoretical capacity makes no sense but you can still easily accommodate the small handful of power users with plenty to spare. Most ISPs will not drop or throttle users trying to get their money's worth if it’s fiber or similar. LTE of course that’s another thing.

That sort of horrible abuse only happens in areas where some provider has strict monopoly, but that’s an aberration and with Starlink’s availability there’s an upper bound nowadays.