>the least-bad residential ISP I've dealt withIt's because lobbyists have prevented your local community from implementing anything close to what Chattanooga/EPB [0] has done with their city-owned fiber infrastructure. They literally cannot expand outside their power delivery area (by court order), and were only initially allowed to offer internet services because "it helped monitor their smartgrid technologies for power delivery." National ISPs have spent millions campaigning against EPB-like ISP expansion.
It's a racket.
[0] Electric Power Board ISP, is incredible: <https://en.wikipedia.org/wiki/EPB> 300mbps synchronous fiber, $58.99/month (1gbps is ~$75; 20gps is $250), four-port fiber/copper bridge (supplied) direct to your techshed. EVERY service address gets one power-drop and one 4-fiber service drop, whether or not you use internet(s).
I don't even know why other national ISPs advertise here — they specifically lock certain apartment complexes into EPB-exclusion contracts... and don't tell potential renters this during leasing/contracts. It's shitty.
It's a racket.