Yeah, I have something like 12 karma or so, and the account is newly registered (a few days ago). Unfortunately, HN doesn't seems to provide any workarounds for that.
You absolutely should not ever get hassled for using a product that you already paid for, that's incredibly stupid. Unfortunately the US just treats anything that isn't a corporation like trash.
It's not necessarily the premise of a service with disjoint bandwidth and transfer amounts that's the problem IMO. Separating bandwidth and usage provides great value to most people who would otherwise have to pay for a much more expensive service if the two were always locked together literally. Where we could use better regulation is making the fair-use policies more upfront and useful so you don't have to dig for them or try to guess what they mean.
I ran about 8TB on my fiber in one month, and no ISP notices to speak of. That's only ~25mbps sustained. You could easily push 500+TB on a 25gbps connection if you were doing something naughty with it, and I'm sure you'd hear from them about it if you did!
I doubt I will be any close to that.