Me thinks there is quite a gap between having three tanks "damaged" and losing a war.
The Israelis, with their limited offensive so far, are essentially using their Merkavas as if they were WW2 assault guns (German concept) or 'infantry support tanks' (British Concept). They essentially follow the IDF infantry in until a target is spotted, the Merk rolls up to a shooting position & shoots the bunker, building, etc. Problems happen when the Infantry fails to spot a concealed AT weapons team.
As long as the IDF is limiting their offensive operations in this way, they are going to lose tanks. If this were a fast-moving, deep penetration beyond the Litani River, they'd lose far fewer tanks to this sort of thing & they'd bag the Hezzies in the process. The IDF would then be risking a possible Syrian flank-attack. So the IDF has made their strategic decision (limited depth, methodical destruction of Hezbollah), and the operational & tactical decisions flow from there.
Good point. And several Apaches have been shot down in Iraq. There probably won't be too many more accidents. When do we get to hear caualty figures for the terrorists?