What’s TAN?

(edit)
Regarding the train svc, the carsharing, Netflix, etc, I generally draw a line and say all the private sector stuff can be disregarded apart from life essentials like groceries. So in your list, the train service is a good point because that’s a public service which invokes human rights (equal access to public service). Since you mention Germany, I happen to recall some Germans saying that the train app can access tickets and fares that are otherwise unreachable, perhaps in part because some stations have no kiosk.

Might be a fun social experiment to propose a public gun lending armory. Like a library, you can walk in and check-out an AK-47 for a day or week for free. But just like the library charges for printed pages, you would have to pay for the ammo.