No, those things don't doom a business to failure - but they also don't magically rescue a business that was otherwise doomed to fail. Franchising generally works by first showing that you can run a nice profit at a few locations and then selling others the rights to use your brand and letting them establish their own stores taking advantage of the favorable name you've initially established. If the first store is a bust then you never get to the franchise stage. Likewise insurance works only when you initially get your risks under control so you can convince the insurance company that your reasonable premiums will cover their costs in the long run and give them a decent profit in addition. Insurance doesn't usually actually save the individual money over the long term - but it's useful in changing the possibility of a large, unexpected loss into a manageable series of monthly premium payments.

The idea of having large numbers of franchise owners in each town who are responsible for their own handful of bikes or scooters strikes me as terribly inefficient. If we're talking about the electric scooters then I'd have to go out each day and drive all over town finding my 10 scooters to recharge and/or service them. In the process I'd probably be driving right by large numbers of other people's scooters but couldn't touch them. Far better to have a single company that owns all the scooters so they can send a truck to each neighborhood and service all the scooters that happened to end up in that vicinity.