Re: Cleaning the car
So carry on driving your own car, and paying for it -- nobody forces you to use a car club, nobody will force you to drive an autonomous car -- at least, not for a long time. But expect it to get more expensive to insure in the short term, and maybe prohibitively so in the long term when <10% of the cars (manual) cause >90% of the "accidents".
At the moment drivers get sued for this -- or their insurance companies do, at least in the UK -- but the general view is "well, accidents happen". When this is no longer the case, you can expect the blame (and cost) to shift much more heavily onto the driver for being stupid enough to endanger lives by driving a manual two-ton killing machine.