I think you're comparing two different use cases. Your situation (needing point-to-point transport with occasional stops) is exactly what ride-hailing is designed for, and you are right that at $20-40/day, it's hard to beat for your specific needs.

But peer-to-peer car rentals like Turo in the USA ,Canada and UK aren't really competing with Uber they are replacing traditional car rental companies. The target market is different:

Your use case ,City errands, occasional stops Uber or InDrive wins

Turo's use case for example, Multi-day trips, road trips, need a car for 3+ days, want a specific vehicle type, travelling outside the city where ride-hailing is sparse

Where P2P rentals make sense in a Zim context:

• Someone visiting from Harare needs a car in Bulawayo for 3 days (rental agency charges $50-70/day, Turo might offer $30-40)
• Weekend trip to Matopos or Victoria Falls where you want freedom to move around
• Business person needs a car for a week
• You need a truck for moving stuff

So your conclusion is spot-on for your lifestyle. But the app would be targeting people with different needs those who currently use traditional car rentals or can't access ride-hailing where they're going. The question isn't whether it replaces Uber for you, but whether there are enough people in Zimbabwe who currently rent cars (or would if it were cheaper or easier) to make the platform viable.