I honestly don't think this "rent" "software as as service" economy will be as popular under bitcoin, because people will have savings, they won't need partial ownership for a lot of things, but I get what you're saying.

As for now its still clunky and you do have tax implications spending your bitcoin in certain countries spending on the UTXO you're using and the size of the purchase so its not as simple as people think

Easiest way is to hodl and say P2P where you can