Marketing 101
It's a market segmentation thing. Customers will sign up for the biggest data plan that they think they can afford, because the consequence of being "fined" for going over the cap is dire. Even when they often use nowhere near the allowance.
There's almost no downside for the telco billing this way:
1. Customers are paying as much as they are willing to pay, every single month.
2. If they use more data than agreed, they can rake in big bucks. (think international roaming)
3. Customers are "scared" to use all their allowance, in case they go over the limit: the telco doesn't need to actually provide all the bandwidth they have sold.
No telco would ever produce a plan where if you use less than the agreed amount of data, you get money back.
If customers had an accurate record of how much they used they would drop down onto a lower GB allowance once they realised how little they were using.