Businesses are a totally separate issue.
You seem to be confused. Cloud storage and cloud applications are two different things. The main issue with cloud applications isn't bandwidth it's latency and jitter. The apps I use as part of my work are largely web based, no real urgent need for high bandwidth, the primary problems I encounter relate to latency to the remote server and protocol based inefficiency.
You seem to have jumped on cloud applications due to VM mentioning it in a press release. The
actual quote referred to cloud gaming, which according to its' developer requires no more than 5Mbit/s or so even on HD, what it does require is extremely low packet loss, low latency and little jitter.
As I mentioned on your 'argument' for 100Mbit/s plus 20Mbit downstream and 2Mbit upstream would be quite adequate until you get to the seeding and leeching of torrents at the end of the list which will eat as much bandwidth as is available and no amount of bandwidth will ever be enough for anyway.