wait.. I did what?
Charter has a monopoly in the location you are discussing, and that at its heart is the issue.Charter has a monopoly on the last mile to your house. TiVo (and others) have been permitted to hitch hike on that cable or Fiber (rare) by the FCC. Once cable cards lose support the monopoly (IMO) is restored.
Far too few communities have competitive delivery systems, I'm lucky in that I can choose from 2 separate Cable providers and Verizon FiOS