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I can understand that you're frustrated and want to blame someone, but please understand that a lifetime subscription is NOT a lifetime warranty, and it is NOT a guarantee that your second-hand equipment will last forever, or that they will fix or replace it for you if it stops working.
Your TiVo is a computer, and sometimes, computers or their components stop working. You may find that the hard drive inside your TiVo, if that's the problem, has a longer warranty than the TiVo warranty, if you go directly to the drive manufacturer.
This is why stores like Best Buy sell extended warranties... so you can pay a little extra up front and not have to worry about hardware problems that will crop up after a couple of years. If you weren't the original purchaser, you didn't have that opportunity with this TiVo... but you always had the option to buy a brand new product and get extended warranty coverage for it if you wanted to.
TiVo is usually very good about letting customers transfer lifetime subscriptions from failed hardware to new hardware, even though they are not required to do that by the terms of the subscription. In other words, they go out of their way and do more than they have to.
Just about any typical computer hard drive is likely to work in the TiVo, if you install the software that others are pointing you to. This sounds like an easy and even free solution.
Meantime, I would urge you to get a serious surge protector, or even better, a UPS (uninterruptible power supply), for your TiVo units. You mentioned lightning, and yes, if your TiVo was unprotected from power surges or spikes, that could easily be the cause of your hard drive problems.
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