The problem with swapping is that switching out a battery is not at all the same as switching out a gas tank. Batteries degrade over time, and with various different usages (lots of fast charging, high heat) can degrade much more severely. You would have to have some kind of system that grades the battery being turned in and credits/debits the account based on its condition. On top of that it's just not necessary. A full charge from 20% is less than 30 mins at a 100kw charger.
Battery deterioration over a fleet is predictable enough. You could just buy a "never-ending battery subscription" when you buy a car or something.
It just takes about 10x more time to refill a battery than a fuel tank. Eventually gas stations will start to be replaced with more useful establishments (grocery, coffee shop, offices) that happen to have a charger at every parking spot.
Then only actual need for quick charging is road trips. And given a decent range, it is no big deal to stop every few hours. People do that even today, as they need bathroom breaks and the like.