What about not owning the battery but just paying for its usage? ( Please do not read my reply as aggressive / arrogant as I am genuinely interested in hearing your opinion). Thank you for sharing your thoughts.
Then there's the huge showstopper issue of the tragedy of the commons. People would lose the incentive to care for their batteries, they'd charge them to 100%, wouldn't care about their temperature, would do all kinds of abuse and then go for a replacement. This goes back to the initial argument of batteries not being as fungible as, say, gas.