Then there are the frequent cases where financial companies inexplicably
lend vast sums to underemployed people, even as their debt loads balloon out of control — in one case, a senior who emigrated to Canada 15 years ago, had never worked and been on a very low disability pension since shortly after arriving, owed more than $ 200,000 in credit card debt.
Making books available for library
lending is an obligation which comes with the rights granted under copyright law, and is limited in very important ways which mean that it has relatively little effect on authors» earning power, and for the
vast majority of them it makes up a very small proportion of their total income, so the zero -
sum effect doesn't really kick in.