In the United States... Utilities and roads leading to housing developments are installed and paid for by the developers
Their costs are included in the price of the new homes.
And the utility mains are usually installed by private utility companies.
If the government is involved, the homeowners are almost always charged a special tax assessment that is used to pay for the improvements over some period of time.
Sure, the government plays a role...But if the government controlled the whole process (like many want them to in regards to Single payor healthcare) we would all be homeless (and/or sick, dying, or dead).
Capitalism works. Governmentalism doesn't.
Scott Evil