I'd imagine there are transporter hubs throughout populated areas which are government run and can be used by civilians for approved purposes.
Instead of government run (like public buses), I see the transporter system being more like the world wide telecommunications sytem, interconnected private companies. Or the internet, with various providers providing your transporter service.
On a planet's surface, the majority of transports (imho) would be through cables (wave guides) and not through the air. Unless you wanted to go somewhere really remote, then your matter stream would go by way of one or more satellites.
Beaming furniture in sure would beat moving big couches through narrow hallways with 90 degree turns.