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I don't see a problem with lending limits for e-books based on the libraries budget. Paper books have lending limits based on how many physical copies you buy. The "Overdrive way" just mimics how the paper books have historically been loaned.
It should be relatively easy to set a maximum loans per month parameter on an ebook based on the libraries budget and people would just have to wait like they do for paper books. I don't know why it would be necessary to adopt the Overdrive system.
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