Earlier quoted context omitted.
Yah, but you’re talking apples and oranges. Fiber “literally everywhere” usually requires a massive capital outlay. I’m not getting 25G fiber to my house in Taos, NM or Bend, OR without many tens of thousands of dollars in up front costs, and similar pricing monthly after the fact.
Providers will amortize the capex of a build over the life of the contract and also factor in other possible customers they may gain along the route or in the building (for multi-tenant buildings). You will "always" pay for some portion of the build, but, discounted and amortized across the life of a contract is pretty standard even with $0 upfront.
e.g. pricing out a run of fiber down 10 miles of dirt road in the middle of nowhere. PtP wireless ended up being a much better deal, even after having to arrange tower space.