Doesn't disagree with your original claim that there is low incentive for any private insurance to care regarding longevity, but figured I could add some color
Granted, high interest rates might make this a bad deal, but the principle seems sound. I bought my previous car on a 7-year bank loan at 2.5% and didn't regret it.
Your loan is exceedingly abnormal or from a past time as the average loan % in the US is much higher on that time scale.
For transient university housing as in the article, I imagine the dynamic shits due to the volume of temporary items being cycled through.
It is a great case for more city style density (even in Brooklyn which is closer to 3-4 story walk-ups)
There is probably no other city in the US where you can truly eschew car ownership (this includes metro "dense" regions like San Francisco, Washington DC, Boston). Maybe you could include Chicago where there is a heavy amount of density/walkability in most of central Chicago neighborhoods.
With personal services, they're risking having that problem at a lot bigger scale: are you willing to pay your barber or masseuse 18% extra to cover Airbnb's commission? I suspect a lot of people would use Airbnb to find a reputable provider, and then make contact off-platform.