Apple doesn't allow this for several reasons.
The major one being that they don't want you to just rent a movie for $1, Display Record it and have it forever in contrast to paying the $15. Bottom line, you need to be Jailbroken to DR.
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No there is an app in the App Store.. But I'm not sure if it got deleted
Why isn't jail breaking an option for you? It's totally safe and beneficial if you can use it correctly. Ill help you out too if you want lol
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It can also make your device slower and can force you to restore your device if your springboard crashes constantly. I'm jailbroken but still don't see how it's "safe".