What happens when everyone is p2p

I wonder if peer to peer networks will cost us all more in the end. Right now peer to peer networks are meant to use an efficiency in the system. Right now most people do not use all the bandwidth that their internet providers offer them. Using a peer to peer system is a quick and easy way a service provider like skype can make the most of that unused bandwidth.

I wonder what will happen when people have three or four peer to peer systems running at all times. Will this clog up the net? Will people have to pay more for more bandwidth? At what point will peer to peer cost customers the money it is saving the service providers? How will this effect the business models around these testers? I do not hear these questions being asked often enough.

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