It's coming. Ford and GM have started to build more software in house, while VW is partnering with Rivian partly to get their software expertise.
If I’m generous to car companies they don’t want to be beholden to a third party duopoly. If I’m not then they want to monetise with typical surveillance capitalism.
Oh, that old canard: “yeah, but just you wait!” I live in the present, and I’ll deal with the facts as they are today, not some hypothetical future offered up to win an argument.
Makes sense for car companies to keep options open.