I don't see how that precludes that average Joe from owning it. It only means that they'll be having it drive for Uber or some similar service while they're at work on not using it. Obviously not everyone will do that or even want to do that, but so long as it makes financial sense to do so, enough people will.
Why not do it like U-Haul, the trucks are owned by investors. They get a share of the profits from the rentals, minus the costs of repairs. At the end of its life the vehicle is sold and the investors get the profits from the sale. The investors get the pleasure of collecting profits from a vehicle that they own, even though they don't ever drive it.
Why are people attached to vehicles? When you are commuting to work, you can ride in a one passenger mini car. If you are going shopping, or a camping trip, you can get an SUV. I would rather have the freedom to choose an appropriate vehicle for my voyage.