"And it all boils down to one question: who decides? Does a government bureaucrat decide what is best for you are do you decide?"
But in most cases, it's NEITHER. Usually, you can only decide if you're PROVIDING. Otherwise, you don't have much say. If it's not the government dictating terms, then it's a private provider. And one of the goals of the provider is to remove your ability to choose so that you can't just "walk away". Think of the situation of a town with only one well. Because it's so valuable, SOMEONE'S always going to make a move on it AND will have the means to keep out everyone else. Who would you rather have in control of the well? Public or private interests?