You are making the assumption that all companies will use a subscription or pay-as-you-go model. If their is a large enough market of people who want to buy the

You are making the assumption that all companies will use a subscription or pay-as-you-go model. If their is a large enough market of people who want to buy their cars outright, a company will fill that need. Think about the cell phone model where most people in North America are on a subscription which includes the cost of their phone, or at least subsidises it. You can still go out and buy an unlocked phone.