Keep in mind that a lot of this stuff is really owned, at the end of the day, by capitalists... in the literal sense, by institutions and individuals who command capital. Auto gig workers typically rent or lease the cars, then work to pay them off, living on precarious margins. Sure, they're responsible for maintenance, but at the end of the day, the cars will vanish if they don't make their payments. Most of us rent our houses or have mortgages on them, but they're not paid off.
Which is why people are working so much in the first place! There are payments to be made, on a strict schedule. You could lose your home and burn bridges if you don't keep up. Quite a few people actually do lose their homes and burn bridges. It's common to think of this as being their fault for being lazy.
But this whole arrangement is unsustainable for the people and for the planet.
And this is the whole point of Thomas Piketty's famous book a few years back that caused a big stir but is all but ignored by political and economic leaders in the US.
There are very good reasons why cultures before banned usury. Sure, rent and debt are powerful economic tools, but with great power comes great responsibility, and I'm still waiting for the lawmakers and business leaders where I live (the US) to go ahead and exercise that responsibility by creating sensible countermeasures to protect people from exploitation.