I think that's the difference - the costs are upfront, not paid by capital/loan with the subscriber having to pay for it eventually.
Rationally, most people wouldn't want to pay that much into a US cable/net provider, considering their historical experience with them.
At that level of competition, it could easily drive the prices down into the $10-20 range for high bandwidth, which would probably break even with current cable internet prices now.
I pay nearly $100/mo for 300Mbps/20Mbps since I have about 9 active users in my home. I pay about $1.2k per year in internet, so $1-2k upfront for cheaper monthly pricing and more competitive features.
What you describe sounds like a great model. It'd be very difficult to do it in the U.S.
What do carriers in Sweden do with people who can't afford to pay the up front fee?
EDIT: Looking at Stokab, it looks like they don't require an up-front payment. But Stokab built its network over two decades, starting out in the core city and expanding based on market demand: https://ec.europa.eu/digital-single-market/sites/digital-age.... That model is illegal in almost every city in the U.S. Any carrier must agree to wire up a whole city on a very short timeline, even areas where there isn't sufficient market demand. Verizon was given less than 8 years to wire up all of New York City.
Stokab is a municipal and non-profit carrier and almost all cities have one of those, competing with the private carriers. The municipal often requires 70% + coverage, witch is very hard to get in a small non tech village with old people. Stokab is a bit different because they have about 1.5 million people living in their area witch is dense compared to the rest of Sweden.
The private carriers don't even bother if they can't get a few hundred subscribers in the area. So if you live in a small village, but not small enough to get a government grant it can be though.
When you start digging up the streets you must allow competitors to also join, so when one carrier has decided to start digging, you often get offers from other Carriers too, with a slightly lower price. So there's usually many carriers in the same area.
There's probably a reasonable market doing this at $10-20k/house. There's clearly a market for multi-family dwellings like condos/apartment buildings (webpass, condointernet, etc. have shown), but maybe the next step will be neighborhoods pre-wired with fiber to some kind of switchbox with your choice of carrier coming in.