20 years from now there will be companies making dumbcars just like there are starting to with phones right now

The problem is complying with legislation. This is worse than phones.

Plus from what I understand, the law Enforcement Community wants all Autos to have a Kill Switch. Where if they want to stop you, they can via wifi.

I think some already comes with that.

Many already come with that. (I am not aware of which models though. Toyota should have it in many.)

As a rule of thumb you could consider "cars which are planned as vehicles that could be lent for longer periods of time": it is foreseen that if the client stops paying for the subscription, the car is remotely disabled.