Which “few titanic entities” are you referring to? Tesla? BMW? Toyota? Volkswagen Group? Gheely? BYD? Hyundai? Honda? … the list goes on. Basically there isn’t a more competitive anti-monopoly industry than the car industry.
Somebody who wants to buy a BMW will likely not be cross-shopping with a Hyundai, even if there's are models at the same price point.
The luxury car segment is also huge…
The Chinese car manufacturers are going to eat them alive soon anyway.
"Great" thing about consolidated megacorporation dominated markets: you have nowhere to go if only three companies decide to squeeze more money out of you. And shareholders WILL demand that every car manufacturer squeezes more money out of you by locking equipment you own now behind subscriptions.
It sounds like you missed last 15 years of developing DRM technology and IP law.
If I own the car outright, I own the computer and can do whatever I want to it. Seems like you missed all the DRM hacks, and think vehicle insurance companies do IP law.
Driving habits and all the data tracking that will be standard in a few years will absolutely be critical to your insurance company, and it stands to reason that they would use any semblance of hacking any part of your car and thus risking the purity of the data (nomatter how unrelated) as a pretense to deny coverage.
I doubt BMW is going to nail this on their first pass, but subscriptions are obviously more lucrative so they may keep trying (or others will).
Regardless, software running everything is a nightmare in progress. The quality standards are atrocious and regulations haven’t even come close to keeping up.
Eventually they're all going to jump on the bandwagon.
[1] https://www.motor1.com/news/554620/toyota-subscription-fee-r...
The trend toward turning products into subscriptions has been in flight for at least 20 years. It was bullshit when it started and it continues to be bullshit today.
Same situation as Mercedes. Taking dumb money more or less.