If you overlay that use of potential bandwidth with the huge internet connection market, how many wires would it take to add all of us web surfers another line into our homes. I want the copper contract on THAT deal. So do they. So until there is surplus bandwidth laying around, don't look for cheap reasonable internet connections into you home. You can take such actions right in the OPEN or SAVE-AS windows.
Every application has a default location it has chosen as the place to store data created with it.
That may be all well and good. That is your prerogative. And here is how you do it. The application should be either on your desktop or in your Start Menu as a shortcut. It will then use that as the new default to save and open your files.