You have a right to check out and play the media if it's available. I'm just proposing that you skip the physical "check out" part of that. It's possible to do that honestly: most libraries have an online catalog system and you can see if the title is already checked out or currently available. In fact I'd wonder if some libraries don't already handle their media catalog that way. It would eliminate the risk of damaging the physical media if you could just check out the movie and stream it right from the library's website.

You are clearly missing the point, which at this point I'm taking as intentional and no longer worthy of my time