Because the low risk of something going wrong, and the low cost to replace something if it does, is not worth the high monthly fee. To compare, the risk of my cell phone getting wet, screen shattering after being dropped, getting lost, getting stolen etc, is much higher than something catastrophic with Directv. The replacement cost is also much higher than with Directv. However, Directv is charging as much or more than my cell phone insurance. The above only applies to those who lease, I understand those who own their DVRs have other considerations.