Most residential electrical service in the US is 200A or well below that. Especially if you have a place with gas heat, hot water, dryer, range you do not need that much. But even with electric appliances and a typical pool heater, 200A is plenty.

400A service in the US is the purview of the very wealthy for their Taj Mahals - which is obviously overrepresented here - but that's a fucking distorted view point if you think it's the norm.