I just found this great link to the top ten list of people who need an online library account. I think it covers just about everyone. Who doesn't need quick access to accurate information, a place to get movies and books for free, Ebooks, downloadable movies, music and audio books, book lists, reading suggestions, Weblinks, homework help ... ?
Get a library card. The online account comes with it for free. It really is the smartest card in your wallet.