I'm going to distill the text of the questions and follow-ups posted down to one question, paraphrased somewhat:
"Hey, I have a cellular contract, and I want free Hotspot. Since I've paid for cellular data between my iPhone and the cellular network, Hotspot should be free. Why isn't Hotspot free?"
If that's your question, well, economics. Specifically, profits. Carriers can and do estimate how much data is going between an average iPhone user and the cellular network, and will then design and budget charges and cellular network infrastructure and the expected profits from there.
More data means more cell sites are needed, and those sites are lower-powered and closer together, and more backhaul links—the available radio frequencies used for cellular data are not an unlimited resource, so going to lower power and smaller cell sizes is the only way to stuff more users or more user data onto the available radio frequencies.
Cellular networks with increasing volumes of data? Carriers don't necessarily want to be charging/building/provisioning/hosting an entire local network via cellular, which is what Hotspot allows for the same plan price as the volume of data that a single iPhone device typically transfers.
A passel of computers all operating on the local Hotspot network can download and upload a whole lot more data than can or will an average iPhone.
Why not host that data? The carriers will need to build out added capacity. Which costs money. And the necessary cell sites and towers and radio frequencies can and variously are constrained.
The unlimited Hotspot that you want is possible of course, but—for various carriers—it'll increase the price of the cellular plans. For everybody. Substantially. And that's assuming the network doesn't simply melt under ever-increasing network load.
Which is why limitations such as the Hotspot control mechanism and cellular plan data caps exist. These mechanisms allow the carriers to (profitably) offer lower-cost cellular plans, without becoming the backhaul network for every residence and business and school within coverage of the cellular network.
If you do want Hotspot available all the time, you'll need to acquire for a cellular plan with that feature. That usually means a large data cap, or with unlimited data, and/or with a cellular plan allowing for cellular network performance throttling; of dropping network speeds as the data volume increases.
No great conspiracies here. Mostly one of carrier profits and network infrastructure capacities and costs.