Interesting idea. But I don't think the paying clubs are going to have books yet-to-be-published any sooner than the library will. And from what I understand, the rental groups also have waiting lists for new books and books on the bestseller list.
Our library isn't a poor system -- the Evanovich book just hasn't been published yet. I think it's cool that they have a waiting list even months before the book comes out. I didn't realize a new Evanovich book was even due out until I read an old post here from around April 1. The 109 countdown won't even start until after the book is published sometime in June.
Our library also has interlibrary loans. I've had books from Long Beach and San Francisco.