Interesting take. Would my HOA be controlling utilization and maintenance? If the car has a flat tire or my neighbor monopolizes the usage, would the larger relationship/service be responsible for fixing the issue?
Sure it would, just as any other service provided for by your condo/HOA fees or what have you. BTW I think having a HOA do anything beyond landscaping is probably more of a headache than it's worth, but still...
I think the possibility is more around SDCs becoming not simply a business to individual customer service or subscription, but rather SDCs being offered by organizations the individual customer is already a member of as part of that organizational offering. This can begin at large and wealthy retirement communities first (like Sun City Grand in Phoenix), but there's no reason why it couldn't be implemented elsewhere or why an organization that is already setup to handle customer and vehicle relationships can't offer it as well. Think AARP or your auto insurance company.