Most people don't pay anywhere near to the unlocked retail price of the phone (so they don't consider it to be a $1,000 device), and many have insurance. If I d

Most people don't pay anywhere near to the unlocked retail price of the phone (so they don't consider it to be a $1,000 device), and many have insurance. If I drop my iPhone (which I paid about $100 for out of pocket after rebates/incentives/trade-in/etc), it's a $99 deductible.