To me, the TIB product itself is like extended warranties - TIB has calculated that revenue will be greater than the cost of providing the service. The people who pay for the service but get no benefit subsidize those who do get something returned plus provide TIB with a profit to boot (TIB hopes).

The big benefit for DM members (unless you lose something of value and TIB gets it returned to you) is cheap miles. 40 miles per dollar spent is a pretty good deal by itself, but with this promo giving up to 140 miles per dollar it's a great deal. The only cheaper way to get miles is by flying when it is either required or desired anyway - in effect those miles are free since the flight(s) would have been taken anyway.

Jim