It's not that much about WiFi access point, it's about the provider infrastructure congestion (cell towers), and how they prioritize 4G/5G. They appear to prioritize 5G more, and they are happy to sell 5G to people who've just bought a poor speed 4G from them.

In some locations fiber connections are not available, the LTE/4G/5G is the only home internet connection that mobile companies offer. You don't know what speeds you get before you buy the specific provider service. Not many people will experiment with various providers or alternative technologies.

so it's about one cellular access point, hence the analogy