Free so long as you can afford the net and are happy to abandon your privacy then call it "free". If you're one of the 8% in the US without a bank, or 11% without internet, what now?
Libraries also gave net access for those without.
They probably wouldn't be invented as they are, but given those groups without access I would want them to be.
If banking and internet services are so vital that we justify the existence of libraries because they provide access to them, then the Government should be responsible for providing to it's citizens anyways.
It's possible that libraries are the best way to do that but it's also possible that there are other, better ways.
Libraries also gave net access for those without.
They probably wouldn't be invented as they are, but given those groups without access I would want them to be.