That said, one of the many many problems of the "free market" is that it depends on there being a company willing to leave huge stacks of money and power on the table.

Maybe some company could take a few customers from their competitors by offering great refunds and fair terms when no one else will, but why would they ever do that when they'll make far more money if they screw over their customers just like everyone else is doing? Sometimes, it will always be more profitable for companies to refuse to give consumers what they want, at which point it becomes impossible to vote with your wallet since there is no one to give your money to except those who are doing what you'd prefer to "vote" against.

Especially when companies are either colluding directly with each other or just looking for the company with the most oppressive and abusive polices/practices and copying what they do, your options drop off very very quickly. Even if you do manage to find a company that seems like it's good, it's just a matter of time until enshittification kicks in and the service degrades because ultimately, companies are all looking out for themselves and insist on endless growth and higher and higher profits so they all push to charge you as much as they possibly can while delivering as little as possible in return. It's a race to the bottom where you always lose.

i pick option three: the current system.