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>FFS, our local library lets you "borrow" e-books and audiobooks online,
The smug overconfidence ("ffs"?) of your reply tells me that many who are spreading the good word about public libraries are overestating their offerings. (But then again, others are ignorant that ebooks exist at public libraries so maybe all of the blind spots from both sides evens out.)
The caveat you're leaving out is that the public libraries have a limited ebook catalog.
I'll use Atlanta GA public libary as an example. It's a major city with a decent sized library.
Look at the Michael Chabon ebooks available from their public library:
http://afpl.ent.sirsi.net/client/default/search/results?qu=c...
The public library certain has all of his books in hardcopy format but for ebooks, it's just 2 titles. Compare with the 13 titles on Oyster:
https://www.oysterbooks.com/author/NakTfeyKUXxFcvzHC2JKFD
Again, look at another popular book, "The Goldfinch":
http://afpl.ent.sirsi.net/client/default/search/results?qu=T...
There is no ebook available at all from Atlanta's library. But Oyster has it:
https://www.oysterbooks.com/book/Kf4mghNUTfnJSiJS758h5V/the-...
The public library works great for those who don't have a specific reading list and would be satisified with "whatever" limited selection they happen to have. (Yes, you can request your public library to buy a new book but that's a separate administrative step and their committee has to review it before adding it to the budget.)
To summarize the disadvantages of ebooks at public libraries mentioned by others:
-- limited selection of titles
-- of the titles the library actually has in the collection, there is a cap on # of simultaneous checkouts from the "virtual inventory". This will result in a wait list for an ebook if it's a popular title
-- the ebooks have a "due date" and the DRM of the ebook will enforce that
-- some libraries only offer DRM epub formats that are not readable on Kindle (unless the user is tech savvy with 3rd party conversion software)