Awwwwww thanks ! And i didn't know emailing cook would actually make things happen. I'll definitely do that next time I have any issues. For phone replacements over the phone you can either have them send you a device and you have the hold placed on a cc(they told me if I used a debit card the purchase would go through and refunds are a hassle) or I send my device to them first and once they get it then they'll send me a device back(so without a phone for a week). I try to get replacements directly from Apple since I don't trust my Apple store.
I completely understand that you do not trust your Apple store, clearly they need to be talked to. I did not trust the Apple store I frequented after the activation issues; but the store leader bent over backwards to make things right after he received my email from Cook's team.
Perhaps if you email Cook and explain your situations (financial and the hassle of being without a phone for a week), you never know how that might be resolved. It helped if you have documented proof of the issues (my letter last December was a bit erm anal, but it did the trick.) Someone is incorrect about refunds on the debit cards being a hassle. It's all up to your bank how fast the refund is processed. You may want to talk to your bank about using the debit card and how quickly they refund.
At any rate, I wish you all the best and no issues going forward no matter what phone you use.