As for unbundling layer 2 & 3 service*, most areas don't do that - I get ALL my phone service, including long distance, from the local phone company. I don't rent the pipes then pay to have water delivered from a different company, nor with the electric company. I view it as an efficiency thing - is the added competition over layer 3 providers going to improve provision of service more than the efficiency of the local cooperative providing everything? Personally, my thought is that the latter will be more efficient.
The phone service thing is your choice. Unbundled long distance has been a thing in the US for decades, so just because you choose to use the ILEC doesn't make it a good example of something "most areas don't do." With regard to water, I don't know anywhere that offers infrastructure + service provider, so score one for you--but for electricity, the state of Texas DOES do things thing way. We're opening a new office in Houston, and we had nine different companies bid to offer us electrical service, all with different rates (and generation types. If you want to pay more for green power, you can actually do that and be sure that it's going to the wind farm or whatever instead of being sleight-of-handed away). All in all, I was fairly impressed by the whole thing, and I think it's a GREAT model for broadband.
The sad thing is we had this model for DSL two decades ago, but the FCC killed it.