What you pay for?
Has anyone here ever tried to buy an ethernet line in the UK? (ie: the commonly used ones resold from BT at synchronous 1:1 contention)
You're looking at going on £600-700/month for 2mbit up/2mbit down with over a grand install, and if you even want anything near ethernet speeds, the costs spiral out of control... having an ethernet line running at only 4mbit/sec duplex could easily cost you over £2000/month.
Are you *paying* for 20mbit 24/7, or are you paying to be able to use a 20mbit connection? To me, Virgin are charging you to be able to download 2MBytes/sec on their network, and I would happily pay to have access to 5MBytes/sec when I want it - if I can't download that fast *constantly* from 4pm to 9pm, then who cares?
For £28/month, schedule your downloads while you're sleeping, or at work, or school, or whatever, and stop complaining about how "the man" is ripping you off.