I see what you are saying, Apple can do on the spot repairs without having to replace anything. I know the screen replacement is substantially less than an entire phone. With the insurance deductible and cost of insurance itself Apple is one of the few where it kind of makes sense not to get insurance because it's not much more expensive to fix damage. Definitely a good point and one where Apple excels.
Edit: Yeah just did some research, $129 to replace a 6s screen. This is less than the price of applecare and deductible. Even with 2 incidents on applecare it's still 129 + 79 + 79 = 287, still more than replacing the screen twice.