All of the above. When the systemic economics see enormous improvements, gains are captured by all stakeholders. The end user will pay considerably less, but not as much less as the base costs might suggest, while other service providers and intermediaries will see new opportunities available to them that justify increased participation in the supply chain.
If the systemic costs drop 90%, and the costs to end-users drop 50%, that’s still an enormous improvement for end-users even if they’re unable to obtain the full improvement.
In any instance, it would be unrealistic to think that the end-user would be the only beneficiary of reduced costs, because (right or wrong, good or ill) there are many parties between the user, the vehicle, and the road.