Not much competition really, the wireless providers buy the fiber from the same companies as the regular consumers. So, when someone digs for any reason we try to maximize reach in that area.
There's also a kind of gentleman's agreement between utility providers (water, electrical, fiber, roadworks etc) that they announce for others if they're planning to be digging somewhere. Others can join in and share the total cost of the dig.
The "up to" is true, but you still have a lower limit where it's not acceptable anymore, a wider span for DSL than fiber though. Generally a quarter of advertized capacity is the "up to" so if you have a 100/100 you should never be below 75.
No, this is good.
It will get rid of many problems created by user never updating their pc, ever.
No user of Win Home should have any application that is THAT important, it's either PRO or Enterprise users that have critical software and those have option to not update.
Seriously, this is a good thing.