I used to work in hotels. One of my jobs was in Accounting where I handled credit card chargebacks. While it makes sense to charge guests who steal things, the reality is that it's an uphill battle. Chances are high that the charge will be disputed. Disputed charges of this nature are tough to "win" for a hotel. Although it may have changed, different card providers will respond differently. For example, American Express would almost always side with the customer unless we had definitive proof that the charge was valid.
Consider how easy it would be to accidentally charge the wrong guest for a stolen item. One small error by a Housekeeping staff member is all it takes for that to happen.
For Disney, eliminating something like bed runners is a smart decision. The number of people who decide that the lack of a bed runner is a reason to stay offsite will be infinitesimally small. Contrast that with potential ill will (that could get magnified via social media) that charging the wrong guest would create.