Remember, we are talking about minimums here, the least common denominator. At 100×20Mbps you are not handicapped like you are if you are stuck on dialup.
Live 4K video chat needs less than 20×20Mbps, but remember also that most people don't have 4K televisions or 4K cameras. Even gamers mostly don’t have 4K monitors! The most recent Steam hardware survey <https://store.steampowered.com/hwsurvey/Steam-Hardware-Softw...> shows that just 5% of gamers have a 4K or better display. 55% have 1920×1080. I don’t have similar statistics for televisions or webcams.
The other uses you list require even less bandwidth. Nothing about a language model requires bandwidth. You either interact with it remotely, at a few kilobits per second, or you run it locally using no bandwidth at all. Large games might take an hour to download instead of minutes. Waiting for an hour is not going to handicap you. Most people shouldn’t even pay extra for that. Backups need some bandwidth, but only in proportion to the amount of data you have generated. Most people don’t create hundreds of gigabytes of new files that need to be backed up remotely; the largest files most people create are photographs and videos of family events, vacations, etc. These files can be backed up with no difficulty at 20Mbps.
> So only the living room gets 4K, but family members can't all watch their own 4K streams in their own rooms?
Pay attention and don’t be an idiot! The FCC definition of broadband is 100Mbps down and 20Mbps up. Netflix tops out at 16Mbps down, so those 100Mbps can supply 100/16=6 whole 4K television streams easily. If your family of six people is sitting in six different rooms watching six different television shows then your family has a problem. That problem is not a lack of bandwidth.
Live 4K video chat needs less than 20×20Mbps, but remember also that most people don't have 4K televisions or 4K cameras. Even gamers mostly don’t have 4K monitors! The most recent Steam hardware survey <https://store.steampowered.com/hwsurvey/Steam-Hardware-Softw...> shows that just 5% of gamers have a 4K or better display. 55% have 1920×1080. I don’t have similar statistics for televisions or webcams.
The other uses you list require even less bandwidth. Nothing about a language model requires bandwidth. You either interact with it remotely, at a few kilobits per second, or you run it locally using no bandwidth at all. Large games might take an hour to download instead of minutes. Waiting for an hour is not going to handicap you. Most people shouldn’t even pay extra for that. Backups need some bandwidth, but only in proportion to the amount of data you have generated. Most people don’t create hundreds of gigabytes of new files that need to be backed up remotely; the largest files most people create are photographs and videos of family events, vacations, etc. These files can be backed up with no difficulty at 20Mbps.
> So only the living room gets 4K, but family members can't all watch their own 4K streams in their own rooms?
Pay attention and don’t be an idiot! The FCC definition of broadband is 100Mbps down and 20Mbps up. Netflix tops out at 16Mbps down, so those 100Mbps can supply 100/16=6 whole 4K television streams easily. If your family of six people is sitting in six different rooms watching six different television shows then your family has a problem. That problem is not a lack of bandwidth.