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Welcome to the exciting world of cloud scams and cults!
I'm starting this page in May 2020 primarily because I keep finding these things and keep forgetting about them.
2020-09-10 This isn't a P2P device, but an extremely honorable mention goes to Wester Digital for the Ibi/MyCloud device rental program. More information from WD is here: https://shop.westerndigital.com/promotions/monthly-subscription-plan
The short version is that for a monthly fee, you get an ibi or a mycloud, and while you are subscribed and otherwise in good standing, they will do warranty replacements of the device.
However, it appears that you must return or buy the device at the end of your agreement, no matter how long you've had it. They run a credit check upon subscription and may require a deposit, and you are bound to a relatively strict and punitive terms of service. If you have content that is against the ToS, they reserve the right to delete it and presumably wipe the device and cancel your account, and then have you ship it back to them or buy it.
The normal retail versions of these accounts have 2-year warranties, have an Internet connection service, and you break even after about 18 months. In addition, I don't see anything on here about data recovery services or about fault tolerance in any sense at all. To make this worse, only the 1-disk versions of these are available, and there's no mention of a data recovery service, something they don't typically do on low end products like these, so if you need to use the warranty, you are out of luck in terms of your data.