Yep I think it's tooling, tech. Ubercoin and Airbnbcoin type apps are inevitable I think. There's no reason for all drivers to give away their time at a fixed cost for Uber, and auctions would allow 5 star drivers to gain a lot more than 4 star drivers, even 4.8 star drivers. Uber doesn't allow for this, but that's the thing with permission-less innovation - you will be allowed to do stuff people can't even imagine right now.