I know only a comparatively small number of people who own library cards. You cannot check out an ebook from the library without a library card. You cannot get a lovely card without physically entering the library. If you did not have a library card when the library closed, or you left it unused until it expired, then you cannot check out ebooks from the public library.
Last I checked, there was, I think, 3 public libraries in California that allowed you to get a library card without being present. One of them required verification in some other method (fax? I can't remember), the other two had a second level card that didn't give access to ebooks or other library resources.