If they did not do a good job I would just call another company.
At first there will be several companies competing each other, but eventually they will be merged/bought by super captalists and then capital will take over the operation, finally end up in the bank's control
And, if the banks did not do a good job, you have no other choice
Sure I do, start a co-op with my neighbors. If their service sucks, someone is going to come along and eat their lunch.