Deprioritization is why - even 5G is unusable sometimes in busy places if you’re on an MVNO. I’d rather pay more for it to always work
The radio layer is where deprioritization happens, not through deep packet inspection (as would be the case for video throttling). Having a strong signal with good RF conditions deprioritization won't be noticed as much, also won't be noticed if the sector isn't busy. If it is busy and you are near cell edge, that's when speeds will fall off (as the radio layer will schedule less time and resources for your device, and the worse conditions means it can't send as much data with those resources allocated).