Consumers don't pay the market rate, because that'd expose them to price shocks (see: the griddy fiasco in texas a few years ago). They get a fixed rate from their utility.
>>gruez+(OP)
In France consumers with below 36kVA grid connection can choose to pay state fixed prices, or they can choose various market offers, here is the official list of electricity providers:
>>gruez+(OP)
That depends on the consumer (and market I guess). In many countries in Europe that is an option. (Although there should be some extra fees on top).