Yes. Though since this is voluntary in the same way that having internet access is "voluntary", I'm going to say that isn't relevant here. Similarly, there is competition in the same sense that you have a choice of more than 2 parties to vote for.

> How are we to decide what number is right?

Don't know, but I do know that 30% is wrong.

If there really was competition, and this was voluntary, there would be no way they could charge 30%.