i don't think you realize for how many families having to find an extra $200 to just leave sitting around as a deposit at the library would be an extreme hardsh

i don't think you realize for how many families having to find an extra $200 to just leave sitting around as a deposit at the library would be an extreme hardship or just plain impossible. It's a lot of families. To get a sense of how many, 40% of Americans surveyed say that they would have trouble paying an unexpected $400 expense. That they'd have to sell something or neglect other bills, or it would otherwise be a challenge, or impossible. https://www.cnbc.com/2019/07/20/heres-why-so-many-americans-cant-handle-a-400-unexpected-expense.html https://www.cnbc.com/2019/07/20/heres-why-so-many-americans-... But meanwhile... why? Wny not just... eliminate late fees instead? As several cities have already done, without disaster?