I don’t necessarily disagree with your point but your experience may be on the rare side.
All the railroad right of ways are loaded with fiber, the freight tunnels are loaded with fiber, etc.
If you are downtown, you can add the half dozen or so fully competent local ISPs. These companies sell internet to condo associations; every unit gets a dedicated connection and the common areas get shared wifi. The cost gets added to the monthly assessment. Where I live it's $25 per month for 500 meg symmetrical.
I work in a 1920s skyscraper in the Loop. Cogent stops by at least once a year and puts coffee and (expensive) donuts in the lobby. They'll run fiber directly from their backbone to a server rack on whatever floor your office is on.
Railroad right of ways are largely immaterial to last mile home seevice.