How many reasonably-demanding users do you think your <£39/month connection ought to be able to cope with 24/7?
Would it be reasonable for me to setup multiple wifi access points and expect that all 60 households in my complex can stream TV and download games at the same time of day?
Do your five users accept that only one of them can get (at best) 20Mb/s at any one time?
And that if two of them start fast downloads at the same time, they are likely to only get around 10Mb/s each?
That's
contention in action -- multiple users sharing the same bandwidth.
Do you accept that all ISPs need to use contention at the UBR or exchange to offer domestic connections at an affordable price?
If not, then your five users (requiring in the region of 4Mb/s each) need to be thinking of paying a lot more than £39/month
each for their dedicated connections.
In an ideal network we'd barely notice the contention when demand for bandwidth was high but much of VM's network is oversubscribed and the only solution is to provide greater capacity. This is precisely what VM's DOCSIS3 programme will do albeit 'following' the demand curve rather than in anticipation of it.
Oh, and please don't make personal attacks on other posters: it's offensive and diminishes your argument.