Fiber-to-the-curb has been a concept for decades. The last couple hundred feet would traditionally be completed with copper but short range wireless could easily fill that gap in 2024.

The costs include loss of service in every third major storm.

This is already a thing in many countries! There is one company building and maintaining infrastructure, and anyone who wants to can provide a service on it for a fixed fee.

I believe this is legally required for gas & electricity in Europe, and some of the privatized national phone companies here have similar obligations.

This is called pole attachment, and most pole owners offer this for tens of dollars a year per pole.

No property owner wants additional poles put up, and it certainly won't be cheaper to buy and install a pole than just paying a few hundred dollars a decade to make it the pole owners problem.