As for MEGA: given a modicum of criminal energy. almost anybody can download beyond their allotted quota. Case in point, yours truly.
Granted, this requires being served a dynamic IP by your ISP, not being logged into MEGA, and using a download manager that won't choke on the MEGA API announcing the file to be stalling half-way through as well as being able to continue on missing chunks, it can still be done by anybody. Just redial the PPPoE connection on your router and be served a new dynamic IP once MEGA responds with 509 (quota exceeded) and let your download manager pick up where it left off.