@Mary172 @Linda108 @Andrea9......Mary I can't speak for the United States but here in Australia torrent sites have been blocked and if you try to access a torrent site here you will be re-directed to a gambling site or similar.
Having said that I think we are possibly a bit more fortunate here with our providers. I am on a $60.00 per month plan which gives me unlimited monthly download access plus totally free home phone and calls to anywhere in the world through a VoIP service. That combined with out 2 mobiles phones mean our combined internet/communication bill comes to less than $100.00au per month.
Most guests these days would consider it to be the end of the civilised world if WiFi access was not available so I freely give the password to incoming guests....and I must admit I did have concerns about pirate movie downloads but now that Torrent sites have been blocked I feel much more comfortable.
I have heard that it happens but I find it incredible that an internet provider will single you out with a specific date and download for a 'roasting'!!
I am ignorant about these things so don't chastise me for something that may be obvious but, is it possible for you to set up an allowance limit with your provider per 15 minutes or something like that so that illegal downloading can be nipped in the bud!
Cheers....Rob