A collective action startup could help solve the problem for neighborhoods wanting FTTH. In a Groupon/Kickstarter model, each house commits ~$3,000 toward a goal. When 250 households in a neighborhood commit and collectively commit ~$750,000 (i.e. $3,000 x ~250 homes) then sub contractors lay the fiber in the neighborhood.
As an aside, the Australian government spent ~$4,000 per household to connect each house to FTTH.