Madd54, we have a heart and have sympathy for him, you, and everyone that can't afford the insurance. I know the phone is sexy as hell without a case on it but there are cases that can be put on and taken off easily....at least for "some" protection against an accidental drop or.... wife throwing it across the yard....."Accidents Happen" by Thomas the train comes to mind.
Too many times I have read that someone's REFUSED to use a case then post that it's broke from dropping it and ask how they can scam the carrier into getting a new phone.
If anyone doesn't have one or both protections in place, it's bound to happen. Murphy's Law