Here's some basic economics for you:
1. Home users who use a lot of upstream bandwidth are rare, so ISPs don't bother offering packages with that feature; it wouldn't sell enough aditional accounts to even print up the marketing material (or possibly even cover the costs of training all their phone monkeys).
2. Business users don't buy internet access for fun; it's a neccessity for them.
3. Business users often have greater incomes than home users, and they can write off their expenses.
2+3= A greater willingness to pay for business-class internet access
4. There are extra cost involved in selling internet access to business users: When they use upstream, most of them are running servers; many ISPs (including the one I work for) give speedier technical service to business class users when there are problems on the line
The problem you are facing is the same as they guy who really, really, wants to order chocolate chips on his pizza. There's no real reason why it's not offered by any pizza places, except that they didn't think that they'd sell any pizzas with chocolate chips.
Write a letter to all the ISPs in your area. It could be that there are others who feel the same way you do, and if so, they might have written letters too. Eventually the ISPs will catch on to the fact that there are sophisticated internet users out there, and that it will be profitable to chase after them.