I agree with Jeff L. The thumbnail is there to display a thumbnail image, but some software may generate their own thumbnail based on the cover image. That software could have used the supplied thumbnail, but they probably made the decision to create their own thumbnail based on the cover image to insure they would have a thumbnail image even if one wasn't supplied.
However, I like the original interpretation of the question better. Why display thumbnails at all?
I have a Kindle and I wish there was an option to display titles by thumbnails. I often go to pick a new book to read, and if a bunch of thumbnails were displayed it would help jog my memory concerning what the book was about and help me decide which book I'd like to read next. Along the same lines, I wish I could move the cursor to a book title and if I left it on the title for 3 seconds or so that it would display a sentence or two that would describe the books plot.
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