Overbuying

A few months back we were running up against some network issues. I'm the default geek in the house so it was up to me to figure it out. My best guess was the wireless portion of the dsl modem just wasn't up to snuff. The solution was a new $100 Google router. Best money I've spent in a long while - bye bye to intermittent trouble frustrating me and taking up brain cycles.

Before I landed on a new router I will tell you that the thought crossed my mind to call the phone company and upgrade the speed in hopes that might fix the problem. It wouldn't have helped this particular issue but it got me to thinking. How many times have I overbought? If I had upgraded the speed it would have increased the speed but everything I have on the network is at optimum efficiency already. That would have been additional and wasted capacity.

How often am I solving for a want or necessity with a solution overmatched to the need?

Transportation?
Housing?
Insurance?
Entertainment?
Investments?
Education?