Banking unused data doesn't make sense, at least not from a technical point of view. Letting someone bank unused data is exactly the same as raising the limit; it's not like you can take that unused data and put it in storage for a month.
As has been pointed out, probably due to Netflix and the like... before streaming, the percentage of users that would even approach their limits was pretty small, but now it wouldn't be difficult for a person who watches a few movies a week to use up a significant portion of their bandwidth allotment.
The overages are waaaay too expensive though.
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