You've just restated my points 1) and 2). But it's not as much a problem as you think. Long distance charges usually aren't predictable in advance: you know you're being billed by the minute, but you don't know how long the conversation will be, and you probably don't know the per-minute rate. What's the rate when calling an Irish cell phone? Or a landline in Guayaquil, Ecuador? You can probably look it up, but it's not simple.
On the flip side, even as a "sophisticated" user, I can't tell how much bandwidth a given video will use, or how long I can afford to stream Pandora to my phone. But it doesn't mater. My carrier provides an app that I can use to check my usage, and I can see how much I've used as a percentage of my limit. It's easy to get a sense of "been watching a lot of video lately, gotta ease up on that," or, "oops, downloading that ISO over tethering wasn't a good idea." It's not long before you have an intuitive sense of what things cost, in terms of bandwidth. I find I don't have to pay much attention unless I use tethering, but my data plan has 6GB cap.