I think you are missing the point, because you're not seeing the connection between these symptoms.

Property in London is so expensive because our culture values ownership more than ever and because property is used as a store of value by those who already see the warning signs on the horizon (in various countries around the world).

I do agree to some extent with your tracking concerns when it comes to electronic payments. But we have to realize that tracking is not an inherent flaw/feature of electronic payments. It is the result of laws and regulations created by the governments we elected.

The point you are making about software licenses has very little to do with a shift away from ownership in my view. We never owned software, even when it was distributed on floppy disks. We never owned music even when it was distributed on vinyl. Tracking and onerous usage restrictions are a feature of the networked nature of modern software and of the distribution channels we use. Ownership rights that make these things possible have always been in place.