I don't mind a camera bump
if it is symmetric horizontally. But most of the ones I've seen have the bump on one corner, which ruins the use case you mentioned of setting the device flat on a desk or table.
My Note 8 and a friend's Note 9 don't really have a camera bump at all, other than a barely raised ridge around the camera section. But unlike many other phones, this ridge is symmetric: it extends equally to the left and right. Even if this were a raised camera bump, it would still work for setting the phone on a table.
The iPhone I got from work is quite different: it has a rather thick camera bump on one corner. So when it sits on a table, if I tap on the display the whole phone wobbles.
That is very poor design, but now Samsung seems to have copied it! The newer Samsung phone have bumps in one corner just like the iPhone, so they would be just as annoying to use on a table.
For the moment I am hanging on to the Note 8 for dear life, until I find a newer phone with a good camera and either no bump or a symmetric bump. Are there any high end phones like this any more?
(Regarding a sibling comment about cases, that is one solution, but I don't use one and don't plan to.)