I think it all depends on what you're selling, the value, and what your customers are like. I agree that for a lot of people, it's not worth doing the signature. I think it's important to look at the big picture... It's easy to get hung up on the problems, but it's not a good idea to base all your policies on the more rare occurrences, because you're potentially doing more damage in the long run. I'd rather suck it up and pay for a redeliver once in a while, than potentially tick off countless people by making them go to the PO. I think having some situations where you have to chalk it up is just part of the biz.