It's not just the speed
FTTP brings reliability as well as higher potential speeds. My main gripe with ADSL is not the speed - yes I'd love 100mbps - but it's the unreliability of the copper network. Every time it rains and the pits fill with water the reliability plummets. If I'm trying to work from home or download the latest software release, having the connection drop is, at the least inconvenient, and potentially costly. I'm sure a doctor who is working remotely would also not want the connection dropping out halfway through the procedure.
Your train analogy also doesn't really fly. Miners build point-to-point rail lines between a mine and a port. Do you really think Netflix wants to build point-to-point networks to every one of their subscribers? And YouTube, Stan, Foxtel, and all of the other video providers? The internet is more like a road network, with users trying to get from one destination to any of thousands of other destinations. Road networks, electricity distribution, water, and sewage are all natural monopolies, and we should not be allowing commercial actors to benefit from these monopolies.