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Not everyone needs 100Mbps is just like saying no one will ever need to travel faster than 16km/h - the speed of the first automobile. Not everyone needs to drive at 110km/h on duplicated freeways, but they can! Time is money and when you work from home (l consider myself extremely lucky) having an extremely fast network connection is a must! I have actually accessed client networks quicker via an external VPN connection, than users on the internal network - due to a lack of congestion compared with the internal routers / switches. I also have a better work-life balance, pay next to nothing in vehicle running costs, don't get stressed "getting" to work and have the flexibility of working out of normal business hours.
Fibre theoretically doesn't have a bandwidth, if you start to send multi-colored light down the same fibre optic tube. Why the Australian Government is spending $50+billion on a white-elephant with 3 legs and no trunk, I'll never understand! At that price, it could have just about built it's own Government owned network and paid for it over time from the ISP rentals.
A more apt analogy may be, people can legally drive their cars at 110km/hr, why give everyone a car that can do 250km/hr?
Maybe in years to come, when autonomous driving cars are fully functioning and systems are in place to ensure 0 accidents, cars may be able to do 250km/hr safely.
Then no doubt the speed limits and cars to achieve the speed will be normal, but at the moment they aren't, so why would you give everyone one?
Another way of looking at it is, when computers first came out they cost $1500 for a green screen 16kb extended memory, that was 1981.
Now computers are relatively cheap and much bigger, but that doesn't mean everyone needs one, with the capability and speed of the ATO's computer.