So only "individuals with money" are getting borrower priviledges.
For the homeless that leaves, what, loitering? Viewing Internet porn in front of the kiddies? Meeting babes?
Anyone can look at books inside of the library, though, regardless of citizenship or being able to afford the zero to ten bucks every few years they need to pay to take books home. For the homeless, this isn't even much of an issue, because the library is probably the best place they could read.
$26.22 per Peterborough resident $1 Unitah Co, Utah $0 CA if you're a resident, $10 for non-resident $0 Peoria, AZ for residents $0 (resident or youth) or $60 (non-resident) Austin TX
So, most are free for residents, and pricey or unavailable for non-residents.
What is a resident? Somebody with a driver's license, voter registration card or utility bill, typically. Which can be a significant barrier to a segment of the population. Not only the homeless, but bus-riding apartment-dwellers may be barred for instance.
It's a huge problem that homeless people can't get registered to vote, but I don't really see how shutting down libraries is going to solve any problems for the homeless.
Like I said before, if you can't prove residence because you're homeless, you're probably better off reading the books inside the library anyway. Anyone can do that, regardless of residence.