Why is my mobile hotspot so much slower than my regular data connection?

I am beyond frustrated with this issue. I've been a TMO customer for 20 years. This issue is unfixable at the client side and hours of calls with support does nothing. There is clearly some network management rule in effect that throttles speeds for users accessing the hotspot feature regardless of what plan you have. It doesn't matter what phone you have, what city you are in, what time of the day it is, what is included in your plan, or how much data you used up to that point.   NEVER delivers 5g speeds or even 4G speeds most of the time. It's significantly slower. Often it's completely unusable (dropping to less than 1Mbps) despite not being close to being over the 40GB cap. In addition, they consistently overstate the hotspot usage in order for you to hit whatever cap you have. 

This issue really sucks and it's affecting my remote work which requires a reliable internet connection and the ability to not have a zoom call that is a choppy, distorted mess. I'm at the point where I really have no choice but to cancel after 20 years and switch to a different service provider. This is my first and potentially last post. I never complained about anything that entire time until now. But I'm tired of paying for a service that doesn't deliver what was advertised and wasting countless hours trying to resolve it. The only fix is for TMO to stop throttling users on the network side whenever hotspot is used.