Some people doen't have telcos.
My line is connected to the ISP's router's (ZyXEL P2602R) RJ-11 WAN port. There's no modem - or the "modem" is built in. The router speaks PPPoA.
This particular router doesn't have wireless, and has only one RJ-45 LAN port. I have an external switch on the LAN side. But models do exist with both wireless and 4 port RJ-45 switches on the LAN side. When the DHCP server is switched off, these will function the same way as a 4 port switch and an AP.
My landline phone is connected to the router, which speaks VoIP.
No telco.