Sorry, lots of commentary. The IA lending is premised on the idea that a physical book can be lent an unlimited number of times. Public library lending of e-books is premised on limited number of lends with most lends (Libby/Media on Demand being the most common of these, but there are other programs as well that work the same such as 3M's digital library offering). With Hoopla, there's a per-lend charge that takes place.