So why did we need to pass GDPR and Net Neutrality? The issues they were intended to address also had theoretical solutions in "write more software and start more competitors".

Sure lets eliminate the massive, burdensome, complex financial regulatory environment, dismantle SWIFT, disband the FED, and remove prohibitions on crypto-currencies. Until then we don't have free markets where one can simply "start their own business" and do it better. We have a centrally-controlled government market.

build your own bank build your own internet service provider

Having government involved in every aspect of your financial life is a gross distortion of the word capitalism.