> And if you have to set up and migrate a client/server DBMS for the library, wouldn't you also have to do the exact same steps as if it was running as its own process somewhere the network?
No only the team doing it has to. Users of a service only have to worry about the API that it exposes, which should ideally never change in backwards incompatible ways and if it does, you make sure everyone calling the API understands it and migrates and you break backwards compatibility only after everyone has migrated.
As a user the implementation details of other services I don’t work on, don’t concern me.
Note that a service equivalent to libpng should probably not exist and be a library instead. A more reasonable service would be a wishlist service that keeps track of every customers wishlist and sends notifications to customers when products on their wishlist get discounted or are back in stock.