That’s good for you, that you have the ability to buy a better plan. There are huge swaths of the US where they simply don’t have that freedom of choice.
And they settled on 100mbps as the standard because that’s what it needs to be…a standard. Not a mandate that “all internet to every house shall only be 100mbps” but rather that 100mbps be the bare minimum that we are able to provide across the country.