Yeah, I understand that, it would suck to get a double whammy on it.
I'm curious about your thoughts on this though...
What if you were to rent a $7 lure for $2 for a week, and if you snag and lose it, you only owe $5. At worst case, you've only spent $7 to try a new lure and it's as if you bought the lure in store in the first place and then lost it.