N providers will always be a problem for the consumer, if N is fixed. To get providers to compete, you need not only have many of them, but you need to open the

N providers will always be a problem for the consumer, if N is fixed. To get providers to compete, you need not only have many of them, but you need to open the market to new players. The lower the barrier to entry ("disruption"), the higher the incentive for incumbents to stay on top of their game.