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70% of Americans have less than $1,000 in savings. Many of the people who most benefit from libraries live paycheck to paycheck and libraries want to help those people and want those people to use their services. That's a major portion of the target market. These people have a hard time saving as they don't have any significant excess income. As they say, it's expensive to be poor.

It is not only unreasonable ands unrealistic to expect these people to be able to save up a $200 deposit, it is also bad customer experience and restricting libraries' market access. If libraries were a tech company any decent product owner would shoot down the idea in a flash. a book




target market ... customer experience ... product owner ...

No privileged language here!




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