Why don't homeowners associations for neighborhoods provide internet, like they do for other utilities? You pay a flat fee "last mile" when you build your house just like you do with water/septic/electric.
The homeowner's association runs the utilities. Just like with everything else, they contract for a say 100mbit guaranteed line, and then the 20 or whatever homes connect to that. The homeowners association polices problems/abuse, much like it does with everything else. It works because: you don't want to piss off your neighbors.
More generally, why can't I buy into a "1 gigabit pool" with a cable company? Make it blatantly obvious that they're overselling, and let the user decide. Company A says "we've got a gigabit of bandwith with 100 users", Company B says "we've got a gigabit of bandwith with 150 users", and I decide.