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No TOS but speed limitations. Its back to 1990

In 1990 in the uk we paid

1) per minute charge on the phone (typically 1-10p)

2) per monthly charge to phone company for line rental

3) per monthly charge to isp for access

4) per minute charge to isp while we were dialed in

Its a BBS not the internet. I did run a 96 line system for fun and business, regular dialup.

Sure, as were things like CIX, and indeed compuserve in the early days

the transmission medium is a voice call

Even worse, if you're going IP-over-VoIP, the "physical" layer is pessimized for data transfer. I would assume worse performance than through PSTN.

indeed, but it serves as proof of concept / experimental, rather than practical application