Maybe there should be three FSD products...
FSD Lifetime. For an individual owner for one car, fully transferable for the lifetime of the owner to future Tesla cars. For personal use only, no ridesharing functions. This might be worth $5K, maybe more, and make buyers really brand loyal. I think I owned Honda products for 20 years of my car life. So $5K or even $8K would be worth it over that kind of lifespan.
FSD Monthly. For one-time Tesla owners, or those that do mostly short range driving but occasional long distance driving. $99/mo or less is probably the price range for this.
FSD Robotaxi. FSD plus ride share summons, billing, planning, rider monitoring, maybe includes Tesla Insurance. For operators of Robotaxi fleets or individuals that want to ride share a personal car. This could be priced higher if it makes your car a revenue generator but not sure what that price is. Not $100K, it would have to be much less. There are many liability issues to work out here and government regulatory issues that could change the business model overnight. This Robotaxi thing is one 'Robotaxi runs over Granny pushing stroller' accident away from being regulated out of existence.