In social democracies there are always rules to doing business, and in this case the rule is about how extensive your service needs to be in comparison to your company size. And you need to keep in mind that this rule is only about the core network reach, companies are still allowed to be pretty autonomous about charging for the last 2 KM of the connection. And from what I've heard, companies like Elisa are still charging plenty for fibre digouts, even in higher density areas. And unless you want to make due with 3G, your only option is to get them to bring fibre since there's literally no real competition, most areas get divided into smaller lots between "competitors". Even if they use the same company to actually lay the fibre. And the house owners have no say in what happens to old copper lines.