I always thought that the municipality should own the last mile. FTTP for every unit, then the ISPs could run their lines to a local POP and just cross-connect to the house, apartment or whatever that wants their services. That way it would reduce the infrastructure that an ISP needs and also increases the available choices for a customer.

Payment for the municipal last mile could either be leveraged via your taxes or a fee that is paid by the ISP (which inevitably would be paid by the customer anyway)