it does nothing for the people who don't want to own a car and just want a car and computer driver at their beck and call. 

Classic disruption (not in the sense that it is often used) would be to start with a niche so limited that it doesn't seem useful to almost anyone, and then expand from that use case.

If you could make a Tesla owner's commute from SF to Sand Hill Road a much better experience (via autonomous-only toll road), I'd say that's one hell of a start.