Infectious diseases
One of the library rules, as shown by the 1925 bye laws that you display, demonstrate that infectious diseases could be a problem - don’t hand back library books if the household had an infectious disease!
this was still the case when I was a child, before antibiotics became routinely available. My sister and I were avid readers and when we both went down with “scarlet fever” my parents had to report the fact to the librarian of our local library.