I feel bad for OP and its a crappy situation, but it his mistake unfortunately.
Don't worry, I agree with you 100%.
For all those wondering how this could happen, I do wear loose cargo pants most of the time, pockets are loose. I'm 90% sure it fell out while I was sitting in a couch at a little coffee bar our BX has. Just slouching back, it slid out. The clip held it from sliding into my pocket (which would have been fine), but once I sat down it wasn't tight enough to stop it from sliding out. I checked that couch 20 minutes later and it wasn't there, basically tore the thing apart, but it was already gone.
For those of you who say you know you have your knife every second, maybe when I used to have my ZT300 or some other massive knife. I prefer smaller ones that don't bulk up. And as stated, I wear loose clothes. *shrug*
I'll fully admit that I noticed the loose clip and shouldn't have worn it that day, wasn't looking for validation or anything, just a little bitching and a warning. Today I once again hit the lost and found at the BX, called the church, and even called the base cops to see if anyone had turned it into them. No luck, so I called the insurance, see what comes out of that. Life happens. It sucks, pretty much most of my knife budget for the year, but the kids won't starve so I'll find something new next year.