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Two things:

first, the costs cited above are for handoffs at major peering points, private or public. Pulling 10Gb/s across to your apartment complex is going to add a lot to the cost, if it can even be done (right of way issues).

second, the expertise needed to realize that you can do this and then provide support for it is neither common nor cheap.

If you had a tower on a nice highly-visible location (say, the giant Jesus statue in Rio) and could do line-of-sight laser links, that would be an extremely cost-effective solution. Sadly, that sort of opportunity is rare.

Not everybody wants to be an ISP. Not enough profit in it to make it worth it for the manager. Lack of backhaul and/or cost/difficulty of connecting to backhaul. Existing long term contracts of tennants. High turnover of tennants. Lack of scale.

some do, i used to live at a place served by https://webpass.net which wires up larger apartment complexes with ethernet and runs as many fiber drops as necessary. They only operate in a limited area with specific kinds of buildings though.