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Mrs. K, you are up for a long match, I wish you good luck.
Personally, I think that adoptive parents should not lose any money if a potential birthmother does not place.
Especially in this economy, it is to be expected that scammers will abuse domestic adoption to get financially supported for a while and it is not right that prospective adoptive parents become victims of those individuals.
I am a proponent of the following schemes:
1. Baby-born situations where birthmom has already signed relinquishments and it is irrevocable.
2. An agency/attorney who has, what I call, "secured track to adoption" fee schedule: You pay a one-time flat fee which includes birthmother expenses once and for all, no matter if the birthmother(s) you're matched with place(s) or not. There are more and more agencies out there which offer this kind of fee structure to their clients.
I expect this to become a growing trend as more adoptive parents get sick and tired of long matches and inflated birthmother expenses.
__________________
10/03/05: Signed up with domestic agency
10/24/05: Matched!!!
11/16/05: Beautiful son Kiran is born
5/19/06: Finalized!!! 
9/17/08: Second time: Home study ready
10/22/08: Signed up with agency ... nothing ...
1/15/09: Had enough, signed up with attorney
5/12/09: Beautiful daughter Nanda is born
5/15/09: ... and placed in my arms
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