I was lucky enough to have a grandfathered flat-rate ISDN in my apartment in ~94-97. I had one of those Motorola BitSurfr modems, and would keep it up to my ISP with 128Kbps, but if a phone call came in it would drop one so I had 64K and could talk on the phone. Invariably, these calls were people looking to post adverts in the Thrifty Nickel paper. My number was close to theirs.
I ended up staying in a small apartment for a couple of years rather than moving to a bigger, nicer one, because moving would have caused me to lose my flat rate ISDN and instead have to pay by the minute.
Being done with waiting for two modems to sniff each-others butts like a couple of dogs was liberating!
I moved to a house in 1997 and went back to modems. But I started consulting with an ISP and they offered to let me connect a T1 from my house to their network. I got a contract from the phone company for $205/mo, and got the T1 installed. They charged me $250, and after a few months of me calling them about it they said their tariff wouldn't allow them to sell it for $205, the contract was a mistake.
That was a few days after I got a flier advertising DSL: half the speed but a quarter the price. But a lot of speculation that "DSL will never work". However, it did, and it was great.