> it has to be the automaker that stands behind its product with a financial safety guarantee.
And, as I said, if I were the automaker, I would be extremely hesitant to give such a guarantee with human drivers in the car whose operation of the systems I am unable to control. So cars with such guarantees would basically have to be entirely self-driving, i.e., human intervention not even possible by design. That is a huge increase in required reliability, not to mention a huge change in how cars are currently used. Which is not to say it won't eventually happen, just that such a liability regime would, I think, significantly increase the time it will take to get to ubiquitous use of self-driving cars.