Except it's really easy to accidentally destroy or lose a phone. That's the reason I don't buy expensive phones anymore, because I'll probably just drop it.
PS: Dropping a phone should not destroy it. Over the last 20 years I have never used a case and shattered exactly one screen when fumbling it onto concrete. The new screen was not that expensive.
Instead I buy a ~$200 phone (which is just as good to me than a $1,000 phone) and when that one breaks I get another ~$200 phone.
I don't care about a broken screen though, if the screen cracks then I'll just use it until the phone isn't functional anymore.
[1] https://www.thrillist.com/tech/best-military-grade-iphone-ca...
These phones really aren't that expensive if you look for a deal.
https://www.walmart.com/ip/Apple-iPhone-7-128GB-AT-T-Refurbi...
In 20 years of owning different mobile phones, I've never accidentally destroyed or lost one. Maybe you are just clumsy or careless.
Or search for "military grade phone cover".