> not what I expected based on my experience in the US and my perception of Europe
I'm always fascinated to see comparisons between the US and Europe (as a European myself), as if the comparison were between two countries, rather than a country and a continent consisting of many, very different countries. You'll find some commonality between neighbouring European countries, but not in the same way you would between US states.
Speaking from experience, the UK & Ireland have an extensive system of public libraries, usually each local area will have one, where books and materials can be checked out for free.
Similarly my experience in France was the same, materials can be checked out for free.
Can't speak for any other European countries.