I have wondered this too and received the same line from a BBOS rep. I can't justify borrowing a bag I won't own because that's just money down the drain, but part of me still wants to borrow a MC tote to see if they give me the option to steal it. I have a feeling that I would wind up paying above retail though in total since they have to make $$ somewhere. It would be really sad if they didn't even offer me that option! I hope someone who has "stole" from them before will see this thread and lend some advise.