FYI, I've used netflix since it first went live about four years ago (maybe more, time flies...). I receive about 24 movies a month for $16 or so. That means I have received/sent back about a thousand dvds since I became a member; I have
never gotten charged for a movie that got lost in the mail. It has happened, sure, but there's just a little box you click that says "My movie never arrived" or "my movie never made it back" and they just send the next movie on your list out.