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And dealing with a lot of that crap is more trouble than many of us want to be filling our days with. Micro-optimizations I might have done as a student I mostly don’t do today.
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In order to make out on this at my hourly rate, I would have to cap my phone time with the company to minutes. Single digit.

It's literally just not worth it. Time is the most finite resource that we all have.

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These companies are scum. I don't want to be part of this march to the bottom of caring for your customer. Big companies are also different because of the firmness with which they are locked in to the purchasing infrastructure (among other reasons).
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Sure, all major US cellular carriers are scum and abuse customers in similar ways. So you'll be part of the march to the bottom whether you want it or not.

It is possible to switch to a smaller VNO with better customer policies. But then your cellular data gets dropped during heavy network congestion, which is probably worse for most of us.

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