You're legally required to have car insurance in most states (or pay a steep annual fee to go uninsured). And this is partly for the benefit of anyone else you might impact in a crash. And the dollars involved in vehicular crashes can potentially be enormous. They're always significant. Entirely different situations.You've apparently alot to learn about insurance.
I've paid over $10,000 in total for insurance for my pickup truck that I've owned since new that I paid $36,000 for new way back in 2001.
It sucks since I've never ever made a claim in all that time.
Welcome to insurance.
Meanwhile where's your vitriol on this against the case maker and screen protector manufacturer?
Why are you singling out Apple here? Seems to me they should be the target of your ire...
The manufacturer of the screen protector didn't make the sorts of claims Apple has. Look at the ads for screen protectors. They rarely (on purpose) suggest anything about keeping your screen safe from destruction. They typically advertise clarity and scratch protection. They also cost less than $10 a piece, often far less, and often the manufacturers will send you free replacements if you mention you broke one.