Interesting comment. I can't come back with a retort to make you understand. You're probably one of those people who walk around with a cracked screen on your phone, congrats to you.
But I guarantee you, I will never drop my phone screen first on a rock. Just won't happen. I've never been that haphazard or clumsy. I've had many cell phones in my life and never have dropped one, since my first one in 1998. Have traded in all of my phones and received full value each time because of no scratches or cracks. Not saying I'm special or better than anyone, I'm just careful and take preventive measures (case, screen protectors, etc). I also own several watches, some high end, and I certainly would be upset if something happened to them.
To each their own, Apple Care is a great thing for those who aren't so careful. I don't need it. I see more cracked screens every day, it's a very normal occurrence nowadays, I just think its ridiculous to treat expensive objects haphazardly, maybe my age is showing, I value things that cost a decent amount of money so I'm careful, yet I still enjoy them to the fullest. To each their own, I enjoy my tech toys and don't want cracked phones/watches, etc.