The crux here is that consumers typically have choice between Comcast and Comcast or Spectrum and Spectrum.

That's why we need NN.

I actually think (and this should be done in addition to NN, not instead) is to encourage local city government to provide Internet access and even allowing smaller companies to lease the infrastructure to them. This would bring back competition again, and the money from leasing would cover cost of maintaining the network and maybe even bring income to the city.

As someone who lives in an apartment that has been monopolized by AT&T and forced to used 60$/month 60mbit internet, I totally agree.

I made a mistake by assuming an apartment complex built within the last 3 years would have fiber, boy was I wrong. I'll never make that mistake again.

Because people would have to move to change ISPs, there isn't any incentive for them to compete with each other. Network infrastructure is a natural monopoly, afterall. The best you ever get is a duopoly between fiber and cable, if you're lucky.

Don't kid yourself the cable companies will act like a cartel.