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Spectrum has said that TiVo using customers are less than 3% of all their subscribers. Not a terrific incentive to keep it going for them.
It is far less than that. While none of the operators have had to report their numbers for a few years now, the numbers were in the fraction of a percent. And they likely have gone down. The loss of TV subscribers itself is closer to 4-5%/year, and monthly churn (while lower in 2021) is 2-3% per month (every month). In other words, the number of CableCARD customers is sufficiently small such that if they are in the way of projects that Charter considers growth areas (i.e. HSI) there is clearly no way Charter is going to stop progress for the less than 1%.
 

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I am considering Verizon Fios if Spectrum drops all Cable Cards
Be aware that while there are older ONT's previously installed, Verizon is now primarily installing new generation ONTs (using NG-PON2) which do not support linear QAM (there is not even an RF out port). Verizon has made no secret of their eventual goal of getting of TV service (their CSRs will sell FiOS TV for customers not on the new generation of ONT's, but they first suggest OTT providers such as YTTV), as their primary focus is on HSI.

As with many other operators, the writing is on the wall, if you know how to read it. Of course, just like the sign being held on the street saying "The End is Near", no one has yet defined the exact timeframe of near.
 

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If and when the day this BS move comes, any cable company should offer a dvr cable box for the same price as the cable card setup
They sort of do. You can use their app on an Apple TV (or Roku), and Charter will even sell you an Apple TV over a few months. And they offer a cloud DVR solution (which all their next gen solutions will use; there will no longer be local storage).

The future is streaming/on-demand content delivery. There are 5 stages of grief, and no doubt different people are in different stages.
 
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