BC,
(Depending on your distance from the exchange to your house - you may be able to get up to 24mbps using current ADSL standards. That's what I have, but I live about 4 houses from the exchange!)
You are essentially paying for the bandwidth that you 'may' use, but there are real costs underneath. Sure, the copper pair between your house and the exchange doesn't change, but....
Let's say that one exchange support 500 users @ 2mbps each. That would be a total of 1000 mbps or 1 gbps, however they will 'oversubscribe' the link to a certain percentage. They may only deploy 100mbps to that site for users. It's done like that to save money, as it would be almost impossible for all users to be on at once using all the bandwidth.
If they now upgrade everyone to 8mb, and keep the same 'oversubscription' ratio, they have to upgrade from 1 x 100 mpbs link to 4 x 100mbps links and potentially more equipment to terminate and manage the link. It's not cheap to provide 100mbps of dedicated bandwidth between sites.
Another layer on - your carrier doesn't own the internet. They have to pay for their entry/exit points as well and for every user they upgrade, that cost goes up!
Some of these costs are passed on. Running a carrier is not a cheap business.
Scott