If someone is downloading a lot at 2am, it doesn't harm anyone. Let them have fun! There's no reason to care about someone using capacity on your network when almost no one else is using the network.
During peak times, it makes sense to give priority to those who use less data while still offering an acceptable level of service to those who use a lot of data.
I'm really hopeful that the next few years will bring competition to the home internet space. T-Mobile has been adding a lot more areas to its home internet footprint recently. Their service certainly isn't perfect and might not be what people here would be looking for (given that wireless home internet is likely to be slower than wired for a bit). However, competition would put pressure on Comcast. When T-Mobile started offering better terms for their mobile service, a lot of people said that T-Mobile's coverage wasn't good enough for them to switch. It was good enough for enough people to switch that AT&T and Verizon vastly changed their offerings. They went from offering me 3GB of data for $30 to offering me unlimited. It's hard to remember the 2012-era data plans at this point. Verizon has started offering wireless home internet as well, albeit on a more limited basis than T-Mobile.
T-Mobile's mobile offering didn't work for a lot of people back in 2013-2016, but it provided enough competition that Verizon and AT&T reintroduced unlimited data. Even if people on here won't switch to wireless home internet, it could provide an excellent option for people looking for a bill without hidden fees and unexpected increases in price. The churn from those customers will put pressure on Comcast to offer better terms for their service.