This is a very good OP and its going to be interesting seeing where things develop.
I remember 'inventing uber' in my mind around 2005; I needed to get to the airport and while I waited for a taxi I lamented that it the trip itself was going to cost a huge chunk of my then student wages. There was a busy street full of cars, and I was thinking to myself that any one of them could be heading to the airport and could just give me a lift for $10. I didn't need a taxi, I just needed that exchange of information.
That's not quite how it has all evolved (yet), but it is in essence what the gig economy is. The only real service needed is the exchanging of information. Need a place to stay in Frankston Friday night? Ill have a free room then cause I'm heading down to Bonnie Doon, just chuck us $75 and you can crash.
In many ways this is kind of good; its certainly a way to make use of otherwise unused resources. Why put a second car on the freeway to the airport when there's an uber pool seat on a car already going there? Why build another hotel in Frankston when there's 200 rooms free in domiciles?
But there are costs, as the OP points out. The reality though is its inevitable; there will be more information avaliable online going forward, and privacy will continue to be traded for convenience. These are things that just cannot be stopped.
I'm sure we can put in regulations to protect us from the worst of it all, but it's inevitable that this sort of an economy will continue to grow and eventually take over. Entire industry sectors will probably fall by the wayside (real estate agents, I'm looking at you), but our economy would not compete globally if we still had fat collectors and ice delivery men riding through our neighbourhoods. We just have to try and make sure whatever is coming works for all classes as best it can.
Yeah, it's about efficient use of assets now, isn't it? The thing is, inefficiency creates employment. As we solve old inefficiencies, we need to find new things for workers to do. It seems not to be happening fast enough. We are moving on times where owning things is really the only way to make money