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.