This is where I am. My local speeds and offerings (cable or a smaller local company with an ethernet jack in the condo's closet) are much better than yours, and I don't really need anything better. The tech to push speed requirements dramatically higher isn't there yet. For one or two people doing some streaming and light downloading, 20Mbps is fine for now, I'd just rather pay $20 than $50. 100Mbps for $50 would probably cover me into the near future for 4K streaming, too, but currently my local providers charge more than that for the faster speeds.
I'm not sure what the next big thing network-usage wise that pushes me to want more than 100Mbps would be. Heck, I was mostly happy at 5-6Mbps cable/DSL speeds for close to a decade before video streaming starting pushing those limits - downloading linux distros or such at those speeds kinda sucked, but I didn't do it that often to justify paying a lot more.
EDIT: the commercial world looks quite a bit different, both in need and demand, so maybe there are more opportunities there, but it also seems pretty well served currently, at least in big cities. I have hardly any direct knowledge, but have been at or heard of quite a few office spaces with direct fiber links to datacenters or such. When I worked in a small town it was much worse (Charter Business Cable wasn't the greatest, there, reliability- or speed-wise, to share across the small office), maybe there's a market there?