Let's imagine an online lending service - I'll call it Bookify. On payment of a subscription fee, a reader is given access to what will probably become the largest library in the world. Books can be borrowed at will, even on a whim. Subscriptions can be calibrated to allow for pre-determined 'borrowing' limits. And when the 'book' is due, Bookify reclaims it without the untidy business of dealing with forgetful borrowers and overdue fees.
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