Your implied premise couldn't be more wrong. There is no link between autonomously driving cars and car sharing. Autonomous driving is just another feature a new car will have. Like cruise control and self parking. These features contributed nothing to peoples desire to give up car ownership. Autonomous driving will not either.

Someone may be a great worker on the job, but could be an obsessive-compulsive gambler or shopper off the job, which will hose their credit rating.

This would almost never be true. People are just not that Jeckle and Hyde. Even if they are, I would not want Jeckle working for me...the dumbass ignored all kinds of reasonable scientific protocal by testing his concoction on himself because he wasn't responsible and patient enough to devise a more reasonable way conduct his experiment.