In truth, it's both. It's a problem where a company has co-opted well-meaning regulation to snuff out competition, which is a thing capitalist companies do. Meanwhile, citizens point the finger at each other instead of removing Comcast's ability to monopolize.
Either the regulations that make competing as an ISP difficult need to be stripped out (my personal favorite), or the last mile needs to be public property. Either way, Comcast getting to be the only one sitting on that last-mile connection is what has given rise to its stranglehold on the internet.
We need to support fixing this on a local/state level. Support smaller ISPs in their attempts to disrupt the incumbents, and support legislation that actually encourages innovation in the marketplace (even if that means striking policies from the law books).