[SmellTheGlove]

Insurance companies don't depend on usage being low, they depend on usage being in line with the actuarial/underwriting models. I've spent my career in insurance (P&C and disability), heavily on the data side, and haven't yet seen an underwriting profit in the plans. It's nice when it happens, but investment income on float is the bread and butter.

Why am I telling you this seemingly irrelevant info? Just to conclude that ISPs behave worse than insurance companies :)

EDIT: It'd actually be pretty interesting to see ISP rates regulated the same way ours (insurance) are. I'm talking about regulatory pressure to take rate when operating margins are high, like we get when underwriting profits become regular, and also on the severability of the product rate - regulators don't care if I'm taking a bath on homeowners and making up for it on the auto coverage. It'd be nice for similar on the ISP side with rates somewhat tied to cost, and not subsidizing losses on the cable subscriber side when that end eventually implodes.