If does not matter if your car is autonomous when you use it in different roads, streets or contexts. Two people will use it and one of them will have more accidents or more wear than the other. Each street has different probability to having a crash or get your tires stoled. And 'club' means that you pay an average, you'll pay for both your errors and the other's errors.

The idea that "everybody will want to share their car with strangers" is probably just this, a marketing desire IMHO. Bad drivers will want to share the car for sure, but a lot of common people would probably frown at the idea.