I'm confused...so your iPhone is not cutting out when using the paid wifi hotspot? the culprit might be hard to identify, since the wifi is going to be handled differently (at least how I would believe).
Someone correct me if I am wrong, but if you're using the wifi hotspot...the car's cellular connection provides the connection for the hotspot. Now in the car, the devices will connect to the car's wifi. so CarPlay has nothing to do with the hotspot, but instead the car's wifi. the cellular connection on your iPhone to execute functions such as Siri and streaming, come from the phone and not the hotspot. it might be a function with the phone...which iPhone are you using?
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