You currently drive a Tesla, don't you, Paul? Or, when you invest in that model Y ... do you really feel like you will be comfortable letting it out to drive around as a robo-taxi when you aren't using it? If I walked up to your house right now and said, "I'll give you $20 to let me take your Tesla on a grocery run," would you say "Sure!"
I'm also interested in the parallel with AirBnB. When it started out, it was, "Gimme $20 and you can stay in my spare bedroom overnight." But now being a AirBnB host means running it like a hotel, with cleaning and stocking and blah blah blah. Seems like the robo-taxi business willl have some overhead as well.