>Nobody really needs to own one, they sit unused the majority of the time

Most of our stuff sits unused most of the time. Part of their value and usefulness, is the fact they are there, safe and ready to be used when needed.

>The individualist/identity market has further commodified them unnecessarily.

The market is simply the network of people trading stuff. Cars, as lots of things that satisfy our needs, are commodities. By individualist you mean "people do not want to share"?

Look, I'm not saying the current situation is the ideal, but so far, it's around the best most people can do. The market must be free precisely to improve on that situation, once the conditions allow it. There's people constantly trying to come up with a better solution, and those ideas are constantly being "tested" in the market.

AI and other new tech does have the potential to change the paradigm, to enable more efficient use of things that remain unused, without losing the benefit of safety and availability I mentioned before. But that solution doesn't necessarily have to be some sort of communal property. You seem to like to imagine that would be better, but as others said, there are problems with it, that aren't necessarily solved with more tech.

>Ownership and money are closely tied

Because money is a tool to trade more efficiently. Without it, we would have to resort to bartering. Money is not inherently bad, wanting to get rid of it should not be a motivation to eliminate the concept of property. The idea that without money society would be kinder and more organized for the greater good is just a fantasy, that would absolutely not happen. In reality, money is an important component in a system that allows for people to work together: it allows you to work for things that others want (say, making toys), in exchange for things that you want (money from the salary to buy the things you want). The system of prices (which relies on money) is an extremely powerful, decentralized way to transmit information and organize our work at large scale.