Clearly you haven't seen modern websites. The bozos who write them produce blank pages that weigh in at 1MB, and god help you if you want some text there...you'll be downloading 3000 javascript frameworks, 200-300 web fonts, and of course some icon fonts too...
oh, and ads..
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I agree that modern websites too often tend towards being bloated messes, but I also agree with vacri's idea that for most uses the jump between dialup and ADSL1 feels much more substantial than further increases.
After a certain point the thing rate limiting you for most network usages (including web browsing) stops being your own connection to the ISP and starts being other things, like the speed of the website you are visiting under whatever load it is currently under, the website's own bandwidth out to the greater world (split up among however many people use it), etc.
I currently have 300/20 service, and though I see a nice set of numbers when I visit speed testing sites, in typical real world web browsing situations it feels no faster than the old 30/5 service I had before this.
Not all websites are like that, though yes you're right more often than not.