Wrong, then wrong, and finally wrong, but not as wrong as the first 2 points.
You need to understand how NZ being a traffic sink affects the price ISPs pay for internatinoal bandwidth, and how the massive bias towards international traffic (as opposed to national traffic) affects cost structures as compared to international ISPs where the traffic patterns are different.
Hoping that you're right and wishing for cheaper plans won't make it so.
Are you trying to say NZ ISP's like Xnet are well managed and have good economy of scale? Are you serious?
We all know our ISP's bandwidth costs are literally 150x that of US or UK isp's per Mbit/s. However high fixed bandwidth cost is not a good valid excuse for poor management and badly designed plans (like the torrent one). If anything you would think that would make ISP's more interested in caching and QoS.