There are arrangements where you continue to pay for cars and houses without owning them. They're called leases and rental agreements. They typically cost a lot less for the consumer than outright purchases and at the conclusion of the lease/rental term the consumer is free to return the car/house to its owner without compensation for depreciation or wear & tear (though car leases usually impose mileage restrictions and routine maintenance requirements).

Rental cars and houses do exist, but you could still have fully owned cars and houses whose doors lock without paying a subscription. It doesn't have to be the full thing either. Certain tiers could disable only air conditioning for example.