[ctoth]

> People can be wildly reluctant to just hand over a thousand or two dollars worth of equipment

Who owns a $2,000 phone which isn't insured and should they really be leaving their house?

[pixl97]

I own a $60,000 dollar car that's insured, still doesn't mean I'm going to just let anyone use it when I depend on it.

[ctoth]

I would assume that you cannot merely walk in to the nearest Apple car store and get a new car the same day if something bad happened to your car, so I don't really understand your statement as there is no equivalency here to exploit in your analogy.

[pixl97]

I mean, you can go get a new car the same day, hence rental places while insurance figures everything out.

How about this, I'll pick a random day in your future while you're out doing stuff to show up and break your phone in half. How much is that going to ruin your day?