I do a lot of diy, jobs on the side for friends and I know a handful of professional tradies.
None of them would want to not own tools they use even semi regularly and for insurance purposes (and peace of mind) they would almost certainly have to hire tools they don’t own from a rental company and they will just pass the rental cost on to the client.
Absolutely, it’s not for everyone. Tool libraries aren’t meant to replace pro setups. I think they’re more for casual DIYers, for occasional project, or people who don’t want to buy something they’lll only use once or try a new tool before buying.
None of them would want to not own tools they use even semi regularly and for insurance purposes (and peace of mind) they would almost certainly have to hire tools they don’t own from a rental company and they will just pass the rental cost on to the client.