This is my experience as well, just across the pond from you (West Michigan).
Home users demand the world for $19.99 a month and no contract. Therefore, they get terrible Comcast / TWC / ATT (essentially, they get what they asked for).
There are a lot of people trying to run the "independent ISP" gauntlet, all over the US. (And I'm biased, as I am one of them). But those consumer prices usually only work if you offer bad/slow service, have a complete monopoly, or have government subsidy.
Since most Independents don't have or won't do most of those, they have to focus on business, as those are (usually) the only people who care enough to put actual money into service.
I haven't been in the access game for a long time, but I honestly don't know how you could sell to even smart "prosumers" these days.
I would love to get a ~50mbps line to my home, from a reliable local ISP with clue. I'd pay around $150/mo for such service, and I'm not one of those guys that runs stuff maxed out 24x7.
There just are no options where I live for that amount of bandwidth other than Comcast. So instead I have my primary comcast line ($120/mo) which is 150/20, and a backup DSL line from USWest/Qwest/Centurylink/whatever they are calling themselves today. I believe that one is 20/2, but it sucks so bad (seriously no 1500 MTU still? sigh.) I rarely use it even for failover anymore. LTE is faster.
Home users demand the world for $19.99 a month and no contract. Therefore, they get terrible Comcast / TWC / ATT (essentially, they get what they asked for).
There are a lot of people trying to run the "independent ISP" gauntlet, all over the US. (And I'm biased, as I am one of them). But those consumer prices usually only work if you offer bad/slow service, have a complete monopoly, or have government subsidy.
Since most Independents don't have or won't do most of those, they have to focus on business, as those are (usually) the only people who care enough to put actual money into service.