There probably is some kind of public transporter system (haha, what a pun). Not everyone has a plane today, so I doubt everyone would have a tranporter pad in his living room.
Beaming is dangerous, so I think everyone who wants to control the thing needs to have a licence. I mean what about the people who don't know what they are doing and beam themselves into a wall?
The fun thing about Sisko's statement is: if he was able to be beamed into his own living room, then Starfleet (or whoever owns that transporter) has the equipment to scan every single building on Earth. Because they need to know where the furniture is, if a person is walking by, etc... to do a save transport. A scary thought.