Tell me more about this magical place you live with more than one high speed ISP.

The UK for starters, I have a large choice, from A&A to Zen.

The last mile fibre is provided by a company called OpenReach. I don't deal with them, they sell the service to the ISPs at a regulated wholesale price, it's those ISPs that add their services (like IP connectivity, transit, etc) onto the top

I think that is actually plenty of countries. Most countries do not have an ISP oligopoly like the US, Canada or Australia.

The parts of Australia with NBN (read: about 90% of houses in the country) have choice in ISP. I'm not sure of the split between all the FTTx options, so they may not all count as "high speed".

> My ISP. They are regulated and I pay them.

Depending on the regulations (this is true some of the EU)

On the other hand, Cloudflare has larger customers who also often have an interest in your privacy (the services you are using). And CloudFlare isn't a government granted monopoly, so both their customers and their users have more ability to switch.

> If they do stuff I don't want I can complain and switch.

You must be one of the lucky few.