If you're designing the object, a shorter iteration process means faster learning and better creative flow. There's a significant difference between being able to think something up and try it out within an hour vs waiting a week for it. If you're a programmer, it's the difference between having a REPL and sending a deck of punch cards for overnight batch processing.
The current designs of single head FDM machines average about 60mm/s. The fastest XY heads can achieve 400mm/s, and the deltabots are around 300mm/s or so. There is an upper limit to how fast you can move a head around, but it doesn't feel like we've hit it yet.
In addition, I think as the FDM designs get explored and played out, we'll see explorations in other possibly faster methods. So as the home desktop printers get faster, I believe it'll find a niche that's different than what you'd do with online 3D printing services.
I've heard that with a 3d printer you can print another 3d printer, so maybe it can upgrade itself?
So for the few things I may want to print each year, I'd rather go to a print shop/library/work/etc.
"Low Interest" loans
Hmm.
Also wouldn't there already be an industry that makes 3D printers? Why would the car companies try to go into that business?
Someone else always owned a printer and I just used it (Kinkos, library, work, school).
I would hope it would be the same with a 3D printer. I don't want to have one. I don't want to buy ink or parts or worry about it or have it obsoleted in 2 years time.
But if I want something 3D printed, I certainly hope that there will be stores nearby with high quality printers that are far better than the median at-home printer.
Edit: I should mention that MakeIt Labs[1] (hackerspace) in my little New Hampshire city already has a Replicator 2.
[1] http://makeitlabs.com/