Salty - I don't think anyone can reasonably expect you to replace plugs lost thru normal means... If someone shows you the front hunk of a thru wire but missing the rest of the plug, they got a reason to beech about it but if its lost on a fish or snagged on a rock...
Now if you continue to offer replacement pluggage when someone LOSES the plug, you will die a poor man with a lot of fair weather friends... SO I recommend that other than fo me, a replacement policy should not include when the swivel is intercepted by the odd bluefish
