Eh...it's only a rip off if you pay for it. :)
My friend gave me her pw and I listened to all the mystery/detective novels I could stomach. I did find Gone Girl, though, which is a treasure I've listened to several times. A good narrator with all the appropriate nuances makes a world of difference!
Other than that, I use my library card. The app to play the books is called Libby. My next step is to get my brother to give me his NYC library card number, which will probably quadruple the number of books I can have access to.