What about a Level 4+ vehicle that doesn't have a steering wheel or pedals, which Tesla has said is in the pipeline?
You would have zero ability to even correct what the vehicle is doing while operating using software that is under the purview of the manufacturer. You might not even be in the vehicle if it's out operating autonomously in Robotaxi mode, and yet you'd be liable for what the vehicle is doing? I don't know if there has ever been a product quite like this, and that feels like a big risk to assume as the owner.
All of this feels like ammunition for my ultra-pessimistic view that consumer vehicles will remain Level 2 with the human responsible at all times, and anything Level 4+ will remain with corporate fleets thus all this risk will be theirs to assume.