I work for a hospital, we ran into some issues last week due to congestion that was totally outside of our control that was off of our WAN (Thanks Call Of Duty). Now, the issue we ran into was not mission critical at the time but it was still disruptive. As more and more people are driven home during this time, more and more people will be using bandwidth intensive streaming and online gaming products. If more and more TSP coded entities are running into issues, ISPs, IXPs, and CDNs will be forced to act.