That may be true but until a better solution for ebook lending exists, libraries in their current form using Libby / Overdrive is still an enormous public benefit and is a direct service from local taxes that benefits humanity.
I don’t agree with Overdrive’s practices but I absolutely don’t hold libraries accountable for that because they can’t control what the market offers.
I find tapestry to be way better than surf. I use both but surf just feels confusing while tapestry do everything in a cleaner way.