both options will be available. just like uber and taxis are available right now.

but cars will suffer the biggest change. the part for humans will be separated from the rest of the car because there won't need to be a connection between human and motor, and those human parts will be safer. if you are a big company, dealing with thousands thousands of cars daily, it will be better for repairs and cleaning the human used part in a facility specially for that purpose.

also, expect byo-metrics to be the way you can use these kind of services. iris, finger/hand print, face recognition, even dna match in the foreseeable future. say goodbye to body privacy.

very well put.

but i disagree with your conclusion. yes, due to our current economic system, ai is being developed by different groups with different intentions. there is no central authority deciding what algos are or aren't released to the public. but this is because governments still don't have legislation towards it. this is due to the fact that corporations are still trying to find the profit angle that these current algos have. once that happens, and considering that the profits could be massive, the pressure to curtail the wild west of ai development will increase.

and thus in no time you'll see campaigns in mass media asking for certain regulation, lobbying/bribes on a massive scale towards politicians that decide the regulations. "grassroot movements" will emerge to give legitimacy to specific demands.

after that, the multiple possibilites of ai will be reduced to what can keep the capitalist machine going.

the biggest legal battle will be over on who as the legal rights to what is created by the ai.