Also, the US basically solved an earlier version of this with the 1936 Rural Electrification Act. In 1936, many rural communities and farmhouses in the US had no electricity while it was standard in towns and cities for decades. It was decided that having electricity was just something everyone should have access to and we were willing to pay the price to make that happen. Eventually it even made sense economically besides morally because many rural areas eventually became suburbs. We could do the same with fiber. It's not some utopian idea.
This one is pretty simple if you can accept 98% as "every house". Reality is that not every house needs fiber.
I fully agree with the rest of your comment.