Assuming we get to your level of value prop. It will still only be a choice for new first time buyers

If I already own a car, for which am paying an emi and no hope of selling for good value (because market is dropping as newest buyers disappear) it won’t make economic sense for me till I generate LTV from the car to switch over .

Either way it till take 1-2 decades after ubiquitous L5 availability, even if that was possible at all and soon