I am a cable card owner and I strongly disagree. Tivo is useless without an expense subscription and it is not PC friendly. Windows Media Center, the only way to record and play back copy-once content on a PC, was abandoned in Windows 10. SiliconDust, makers of the HDHomeRun device I use, are working on a DVR system that is CableCard approved but it has been in development for over a year and it still does not support DRM content. They do have a green android app that can play copy-once content but it is out of date and the new grey app is still waiting to get CableCard approval. Dealing with CableCards is a huge unnecessary pain which is why most non-technical people avoid it and pay set-top box rental fees.
CableCards were mandated by the FCC and without their regulations would not exist at all. CableCard certification, controlled by the cable industry, is intentionally onerous, expensive, and time consuming. How many new CableCard devices have come on the market in the last three years?
While I pay for the cable companies services I should be able to own everything in my house. The cable company certainly doesn't want to own the wiring in my house and they charge a hefty fee to work on it. Many of the copy-once channels already have Internet on-demand services that use built in browser DRM technology and one is free to buy their own cable modem so technology is not a barrier to dumping set-top boxes. There is nothing special about setup boxes except that they are a huge cash cow that the industry has a death grip on. Companies like Microsoft, Google, Sony, and Apply want to build unified entertainment solutions but the telcoms lock them out of the market.
Markets don't exist without competition and the FCC should absolutely open up the TV services to new innovators.