Indeed, part of the ability for the driving "gig economy" is the masking of risk and liability from the corporation onto the individual driving humans for car expenses and depreciation. The myriad of humans thinking Uber/Lyft are job have yet to get caught up the the expense of the car itself.

Uber/Lyft both hope they can get to self driving cars before the drivers figure out the true cost after the car they provided to Uber for free is involved.