unbelievable--if i renew my domain with one day to spare every year without any mistake or delay in payment, you believe my websites should be interrupted! for what, besides being on time?
For your own good. If dhh can delay renewing rubyrails.com until the domain gets cut off, many of us can forget to renew our much less important names!
If you sell me twelve months, cutting me off at eleven is fraud. If you want to offer a "reminder" that makes me look like an idiot in public (when I haven't even screwed up!), make it opt-in.
For your own good, domain registrars should contact you, by email, well in advance of an expiration. Worst case scenario, the name is held by the registrar for the grace period and the former owner has exclusive rights to it during that term.