If I drop it, It doesn't cost $1000 it costs $100 (at least before this screen type). It won't be stolen as long as it's either in my hand or my front pocket all day (unless I'm mugged). But I have insurance for that. Basically I don't consider it a risk of a sudden loss of $1000.

Just parking my car is a risk of a sudden $1000 loss, even with insurance.