Turo (then Relayrides) partned with GM to allow you to rent your own vehicle out while you were at work or anywhere, so it's not science fiction, it was done back in 2012 and the concept was the same, your vehicle will help pay for itself.

Every mile logged by autonomous driving, every accident caused by a human vs autonomous vehicle where the human is at fault, will make insurance companies price risks accordingly. So far, autonomous vehilces doing very well in the cities where they operate.

It's inevitable these two concepts will merge, and it solves many problems with lack of access to affordable transportation especially for those who can't drive. Public transportation can't survive on fixed route, major infrastructure spends like rail and bus and meet the needs of the greatest number of people.