I can see "owner-neutral" computers floating around classrooms or offices or whatnot.
You need a mobo, CPU, RAM, and I/O. It's like a Zip Car -- the hardware functions fine, but it's not "yours" and it's not "mine.
Then you walk up to it with a thumb drive of 16T 3D V-NAND and -- BOOM! -- You've got your own OS, your own applications, your own archive of files. You do your business, then you yank out the thumb drive and walk away.
For better or worse, I see a number of areas of society where people don't "own" things -- cars, bicycles, etc. Computers could be next.
In not so distant feature, we could have integrated monthly utility bills with numerous items in it: water, electricity, Internet usage, cell phone, your computer hardware/software usage, cloud data storage, car usage, mortgage for your house, etc.