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Graphic artists probably need that kind of downloading capacity (or anyone transferring large amounts of photos). Wedding photographers, cover artists and so on. A lot of them run their own businesses, but from home--not a company account. I'm sure there are other careers that require large back/forth of files.
That's not to say I have any idea how much material is being pirated. I'm sure it's quite a lot and includes all kinds of digital items.
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